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This web site cmbwebcenter.fsbfinancial.com states the following, "WHY CHOOSE FIRST STATE BANK? Chartered in 1867, First State Bank of St." We noticed that the webpage also stated " Charles has provided quality lending services to local residents, making it one of the longest-established financial institutions west of the Mississippi River." It also said " First State Banks capital position remains strong, with capital levels well in excess of the regularly required amounts. TRUSTED COMMUNITY LENDER WITH PROVEN EXPERIENCE. Suburban Journals Best of St. LOCAL TEAM, DIRECT ACCESS." The header had mortgage as the highest ranking optimized keyword. It is followed by mortgages, mortgages on the internet, and home loans which isn't as ranked as highly as mortgage. The next words cmbwebcenter.fsbfinancial.com used was real estate finance. mortgage on line was included but will not be understood by search crawlers.