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IronStone Bank to Open Second California Office
Pearl Street location in La Jolla to serve as San Diego region headquarters

June 23, 2003

SAN DIEGO - IronStone Bank will open its second California office on Monday, June 30, at 835 Pearl Street in La Jolla. The full-service financial center is the bank’s San Diego region headquarters and features a drive-through window.
“The opening of this new office represents a great opportunity for our bank,” said IronStone Bank President Jay Parker. “La Jolla is a wonderful place to live and conduct business. We’re looking forward to being a good neighbor, building relationships and serving customers for many years to come.”
Steve Wise is IronStone Bank’s area executive for the San Diego region and will be located in the Pearl Street office. Michael Becker, who has 21 years of local banking experience, will manage the new office. Matt Kuczkowski serves as the area commercial banker. Andy Wilhelmy and Bruce McCarty will serve as area business bankers. Together, the associates bring more than 80 years of banking experience to the La Jolla market.
The lobby and drive-through window will be open Monday through Thursday, 9 a.m. to 4 p.m., and Friday, 9 a.m. to 5 p.m. The office features a walk-up ATM.
In May, IronStone Bank opened its first California office at 8650 Genesee Ave., San Diego, in the Costa Verde Shopping Center. The bank recently received regulatory approval to open in Solana Beach. Other IronStone Bank offices are planned for Newport Beach, Mission Viejo, Rancho Santa Margarita and Sacramento.
IronStone Bank also has three offices in Austin, Texas, and one in Scottsdale, Ariz.
IronStone Bank delivers exceptional service and comprehensive personal and business banking products. Consumers can get Free Checking accounts with overdraft protection and will not be charged IronStone Bank fees for using other banks’ ATMs. Businesses can choose IronStone Bank’s Business Quest checking account with an Investment Sweep and a no-fee business credit card.
IronStone Bank associates are dedicated to building long-lasting relationships with families, small to mid-sized businesses, professionals and the medical community. The bank is a division of Atlantic States Bank, a federally-chartered thrift institution with 39 offices in Georgia and Florida. Late in 2003, all Atlantic States offices will change to the IronStone Bank name. Atlantic States is a subsidiary of Raleigh, N.C.-based First Citizens BancShares Inc. (Nasdaq: FCNCA), one of the 100 largest financial holding companies in the United States with $12.39 billion in assets.
In addition to the two locations in San Diego County, customers can access financial services through the bank’s Customer Contact Center toll free at 1-866-IB DIRECT (1-866-423-4732) and through the Internet at ironstonebank.com.

Barbara Thompson
(919) 716-2716
First Citizens BancShares