First Cherokee Bancshares is the holding company for First Cherokee State Bank, which operates three offices in the Georgia communities of Canton, Marietta, and Woodstock, north of Atlanta. Catering to local businesses and consumers, the bank provides checking, savings, and money market accounts, certificates of deposit, and debit cards. Commercial real estate mortgages account for the largest portion of the company's loan portfolio, followed by construction, land development, and residential mortgage loans. To a far lesser extent, the bank writes consumer, business, and farmland loans.