Potential Fraud Warning!
Citizens National Bank has learned that fraudulent calls are being made to our customers. Callers are stating they are from "Citizens National Bank" and are spoofing the Bank's telephone number, 601.693.1331. The caller will suggest there has been fraudulent activity and may ask for online banking credentials or other personal information, including the "username" and "password" to your online banking account! Please note that Citizens National Bank will NOT call and ask you to verify information such as your username or password to your online banking account, your social security number or your account number. If you receive a call requesting any of this type of sensitive customer information, please call Citizens National Bank at 601.693.1331.

Andy Hughes
I am dedicated to customer satisfaction and understanding.

Andy Hughes

Senior Vice President/Senior Relationship Banker

NMLS # 642330


I am dedicated to customer satisfaction and understanding.

Citizens National Bank strives to make sure every small-business customer relationship has the best products, services and Relationship Banker to help make their business grow. That is why Citizens National Bank is very excited about Andy Hughes being part of the Olive Branch Banking Centre as the Market President/Senior Relationship Banker. We believe that Andy will be a great asset to our North Mississippi region and our small-business customers. Andy believes that every small business deserves "prompt and professional service, as well as going the extra mile to achieve their specific needs."

Andy comes to Citizens National Bank with 39 years of banking experience, having served as a Community Bank President of Renasant Bank (formerly M&F Bank) and has experience as President of BankPlus' Private Client Group in Starkville. With all of his expertise, experience and knowledge of the banking industry, we believe Andy will benefit our small-business customers.

Andy is a graduate of Mississippi State University with a bachelor's degree in Banking and Finance with a minor in Real Estate. He is also a graduate of the Louisiana School of Banking. He believes in striving to be the best at understanding and listening to his clients and then offering them a personal service that fits their small-business needs.

Currently Andy lives in Southaven, he is involved in the community as a member of the Southaven Rotary Club, the Southaven and Olive Branch Chamber of Commerce, and community Chamber-related organizations, and as a chairperson on the United Way Board. Andy remains very active in the Golden Triangle.

One of his greatest accomplishments in life was being the first in his family to graduate from college and pursue his goal of becoming a banker.

Andy is seen as an honest, hardworking team player that wants the best for his customers. So let Andy help your business grow and reach its full potential.