G. Timothy Howard

Athens Bancshares Corp. operates as a bank holding company. It operates through its subsidiary, Athens Federal Community Bank, which offers a variety of financial services from the general public and use those funds to originate primarily residential mortgage and to a lesser extent, non-residential real estate, construction, land and land development, multi-family real estate, consumer, and commercial business loans. The company was founded in September 2009 and is headquartered in Athens, TN.

Athens Federal Community Bank NA operates as a federally chartered savings bank. It offers personal banking, business banking, loans and mortgages and wealth management services. The company is headquartered in Athens, TN.