When visiting Citizens Tri-County Bank, you are visiting friends.Just remember, wherever you travel across this beautiful area, we have got you covered. Serving in 8 counties for your convenience.Citizens Tri-County Bank was organized in 1972 as Citizens Bank, and received its bank charter in July of that same year. The new bank opened for business in October, 1972, with $ 500,000 in capital, initially operating in a trailer at the bank s current Main Office location.