Four Oaks Fincorp, Inc. is a bank holding company. The Company�s primary function is to serve as the holding company for its wholly owned subsidiaries, Four Oaks Bank & Trust Company (the Bank) and Four Oaks Mortgage Services, LLC. In addition, it has an interest in Four Oaks Statutory Trust I, a wholly owned statutory business trust (the Trust), for the sole purpose of issuing trust preferred securities. The bank is a community focused bank engaging in general commercial banking business to the communities it serves. The bank is a community focused bank engaging in general commercial banking business to the communities it serves. The Bank provides a range of services, which include checking accounts; savings accounts; individual retirement accounts (IRA); negotiable order of withdrawal (NOW) accounts; money market accounts; student checking and saving programs; e-statements; loans for businesses, agriculture, real estate, personal uses, home improvement and automobiles.