Lawrence Bank is a locally owned community bank that provides a range of personal and commercial banking services. It offers savings, checking and individual retirement accounts, as well as certificates of deposit. The bank provides commercial real estate, mortgage, home equity, auto, personal, equipment and construction loans. Lawrence Bank provides Internet and phone banking, check imaging, wire transfer, night depository, notary, overdraft protection, trust administration, wealth management and direct deposit services. It additionally offers debit and credit cards, money orders, ATMs and traveler s checks. Lawrence Bank s online services include personal e-mail accounts, account statements, cash management, and bill payments and transfers.