I am Michael Allspaugh, Client Relationship Associate for First State Bank Shannon-Polo-Lake Carroll. My goal is to keep building and making new relationships with our customers so that I can be a familiar face in the bank for you.  There are so many papers, the application process can be intimidating.  You can access the application on your smartphone, tablet or laptop!  Start it now, finish it later.  Just click on the “Get Started” button.  It is easy, simply answer a few questions, when you are finished submit it.  You are on your way to buying – or refinancing your home!