Putting first things first, First Community is the holding company for First Community Bank, which serves individuals and smaller businesses in central South Carolina. Through about a dozen offices, the bank, which was founded in 1995, offers such products and services as checking and savings accounts, money market accounts, CDs, IRAs, credit cards, insurance, and investment services. Commercial mortgages make up about 60% of First Community Bank's loan portfolio, which also includes residential mortgages and business, consumer, and construction loans. The company's First Community Financial Consultants division offers asset management and estate planning.