5 /5 Gracie Dowdy: My dad loves that they have a branch in Chipley so he doesnt have to go to Bay Co to bank. The one in Chipley is in one of the older homes there with the big front porch and he was so excited Fri when he went to do his SS banking because they had sweet tea in the lobby so he sat and had two cups with me waiting in the Jeep for him LOL. He has bragged about that to anyone who will listen the last few days. That small token in the lobby of sweet tea made my dads day and since mom passed a few months ago not a lot has done that for him. He also loves the tellers there, they treat him so sweet when he goes into the bank.