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United Southern Bank (USB) was chartered in 1937 as Umatilla State Bank in downtown Umatilla and the bank primarily served the residents and businesses in the Umatilla area. As Umatilla State Bank continued to grow and branch banking was approved, USB began to open branches beginning with the Lady Lake Office in 1977. As branching continued, the directors formed a one-bank holding company and changed the name to United Southern Bank, retaining the USB initials.

Today, with eleven offices in the Lake County area and over 70 years of community banking, United Southern Bank still puts a premium on building strong customer relationships. The bankís officers live here, some of them all their lives, and they know their customers and their businesses. Our customer family tells us they prefer doing business with a bank that is locally owned and managed. They like banking in an office where everyone really does know their name.