Coronavirus/COVID-19 Information

We are constantly monitoring the COVID-19 guidelines making sure we protect our employees and customers. Please review this page periodically for up-to-date information on the SBA PPP loan program and branch communications.

SBA Paycheck Protection Program Loans

The SBA Paycheck Protection Program is a forgivable loan program designed to help small businesses with payroll and certain other expenses during the COVID-19 crisis.  The PPP guidelines are continually adjusting and we recommend you review the information below and go to SBA Paycheck Protection Program for the latest loan and forgiveness details.  Please contact us with any questions you might have concerning the program.

Interim Final Rules related to the Paycheck Protection Program:

Loan Forgiveness:

Paycheck Protection Program Loan Forgiveness Application and Instructions

SBA’s May 15, 2020 press release states that additional PPP loan forgiveness regulations and guidance will soon be issued. Accordingly, we will not begin accepting applications for loan forgiveness until SBA provides complete details.  Until then, we recommend Borrowers adhere to existing guidance and maintain diligent records of their utilization of loan proceeds. To view the full press release click here.


Notice to Borrowers: Forgiveness of your PPP loan is not automatic or guaranteed. You must adhere to Program guidelines and submit a fully documented application through Citizens National Bank for consideration. Please check back on this page or with your Account Officer for updates.

Bank Information Guidelines

June 1, 2020 all branch lobbies will be open.

For lobby hours please go to:

For the Health and Safety of our customers and employees we ask that you please follow the guidelines below when visiting our lobbies. You might be asked to temporarily remove your mask for identification purposes.

We highly encourage self-monitoring for COVID-19 symptoms. If you feel sick please utilize our drive-thru.

  • We encourage you to wear a mask while doing business in the bank
  • Practice social distancing by standing 6 feet apart
  • Please stay in customer designated areas of the branch lobby
  • Sanitizer is available to be used before and after transactions

For Drive-thru hours: