First National Bank & Trust provides banking services. Its services include commercial lending, mortgage lending, small business loans, consumer lending, business and personal checking accounts, credit cards, and private banking. The company also offers savings, money markets, and health savings accounts, as well as online banking in business and personal banking services. In addition, it provides investment and financial planning services, including corporate and individual retirement planning, education funding, estate planning, and trust services. The company was formed in 1956 and is headquartered in Fort Walton Beach, Florida with offices Destin, Niceville, Crestview, DeFuniak Springs, South Walton, Hurlburt Field, Mary Esther, Navarre Beach, Ocean City, and Seascape. As of January 4, 2007, First National Bank & Trust is a subsidiary of Harris Financial Corporation.