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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-K Annual Report Pursuant to Section 13 or 15 (d) of the Securities Exchange Act of 1934 For the fiscal year ended December

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1. Start by gathering all necessary documents, such as your personal identification, financial statements, and any other relevant paperwork.
2. Visit the official website or physical location of First Century Bankshares Inc. to obtain the required application forms. These forms may also be available for download on their website.
3. Carefully read and understand the instructions provided on the forms. Make sure you have all the information and documentation ready before filling out the required fields.
4. Begin by providing your personal information, including your full name, address, contact details, and social security number.
5. Provide any additional personal details that are required, such as your employment information, income details, and financial history.
6. If applicable, indicate the type of account or service you are interested in, such as personal or business banking, loan application, or investment services.
7. Double-check all the information you have entered for accuracy. Additionally, review the terms and conditions of First Century Bankshares Inc. before signing any agreements or authorizations.
8. Attach any supporting documents that may be required, such as copies of your identification, proof of address, or financial statements.
9. Once you have completed the application form and attached all necessary documents, submit the form to First Century Bankshares Inc. through the preferred method indicated on the form. This may involve filing the form online, mailing it, or submitting it in person.

Who needs First Century Bankshares Inc:

1. Individuals seeking comprehensive banking services, including personal banking, loans, and investment opportunities.
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3. Customers looking for a trusted financial institution that offers competitive interest rates, low fees, and excellent customer service.
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5. Customers who value convenience and accessibility, as First Century Bankshares Inc. may offer online banking, mobile banking, and a network of branches or ATMs.
6. People who desire a bank that holds a strong reputation for financial stability, security, and adherence to regulatory standards.
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Note: It is recommended to reach out to First Century Bankshares Inc. directly or visit their official website for the most accurate and up-to-date information on how to fill out their application forms and the specific services they offer.

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