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First Bancorp, through its principal subsidiary, First Bank (bank), provides banking services, primarily within the central Piedmont region of North Carolina. It offers checking, savings, NOW and money market accounts, and other time deposits of various types; and loans for business, agriculture, real estate, personal uses, home improvement and automobiles; credit cards; debit cards; letters of credit; IRAs; safe deposit box rentals; bank money orders; and electronic funds transfer services, including wire transfers, automated teller machines, and bank-by-phone capabilities. The bank also provides online bill-payment and cash management services, as well as offers property and casualty insurance products. As of December 31, 2004, it operated 59 branches, of which 53 were located in North Carolina, 3 in South Carolina, and 3 in Virginia. In addition, First Bancorp invests in U.S. government agencies, mortgage-backed and equity securities, and corporate bonds. The company, formerly known as Montgomery Bancorp, was organized in 1934. It changed its name to First Bancorp in 1986. The company is headquartered in Troy, North Carolina.