Founded in 2005, Southern Bank & Trust is chartered as a Savings Association and is a federally chartered thrift institution. It is a wholly owned subsidiary of Southeastern Bank Financial Corporation. The bank provides a full line of financial services to individuals, businesses and professionals in the Aiken County. It provides a range of personal and business banking services, such as checking, savings, money market, certificates of deposit and individual retirement accounts. The financial entity s host of lending options includes automobile, construction, home improvement, home equity lines of credit and real estate loans among others. Southern Bank & Trust is a member of the Federal Deposit Insurance Corporation (FDIC) and is an Equal Housing Lender.. Banking Services