Built in 1909 by Virgil Henson and W.A. Covin, this structure first housed the First State Bank of Edgewood. Started by J.P. Downs, it later became the First National Bank. In 1918 a second floor was added to provide meeting space for the directors and a Masonic Lodge. In 1929 the Farmers and Merchants State Bank merged with First National, whose directors at the time included N.L. Cheatham, J.E. Humphries, J.H. Jones, Lee Joyner, R.M. Millsaps, W.H. Pickens, Sr., W.A. Presley, R.E. Slaughter, and G.M. Youngblood. The bank moved in 1959, and the building later housed a cafe.