First State Bank is a full-service lender serving the loan needs of its community. We have a full array of consumer, commercial and agricultural loan products available. Since we are locally owned, all of our decisions are made here and all of our loans are serviced here. Our lending team is featured below. Please give one of our lenders a call at (217) 762-9431

John C. Schaefer is Executive Vice President and Senior Loan Officer for the bank. In addition to managing the loan department, he specializes in commercial and agricultural credits.

Karen Harvey (left), Cheryl Jostes, and Marilynn Bealor provide operational support in the loan department. Karen is the bank's Loan Operations Administrator, Marilynn is an Assistant Loan Officer, and Cheryl assists our customers with information on their loans, such as payments, payoffs, etc. and gives administrative support to the loan officers. They are responsible for processing many of the daily transactions in the department. Call them if you have any questions on your existing loans.

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