Banking is built on relationships, strengthened through every interaction among our employees and the clients and communities we serve. We are dedicated to growing trust through every decision we make, every dollar we invest, and every moment we volunteer.

Over the last decade, our banks and employees volunteered more than 10,000 hours and $500,000 to our communities, demonstrating that employee engagement is a major component of our mutual success.

Our employees thrill at the opportunity to help change the lives of our customers by providing the right products and services at the right time.  Whether for the purchase of a first home, a second car, college tuition, a savings plan for retirement, a land or personal Trust, or a Health Savings Account we are committed to helping our clients make informed decisions that improve their lives.

Our business and commercial clients rely on our bankers to be trusted advisors and advocates.  We pair this commitment and talent with the latest technologies to ensure our clients can compete in an ever more global business environment.  Our bankers are fanatical about being the best and helping their clients become leaders in their industries.  

Since 1865, The First National Bank of Ottawa and our Affiliate Banks have demonstrated an unwavering commitment to the success of the people and communities we serve and look forward to the challenges and opportunities the next century will bring.

Thank you for being our clients and advocates.

Steven M. Gonzalo                         Dan Miller
President & CEO                            Partner & Chairman of the Board









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First Ottawa Bancshares, Inc. is the parent company of The First National Bank of Ottawa and its Branches: The First National Bank of Ottawa – Northfield, The First National Bank of Ottawa – Plaza,The First National Bank of Ottawa – South, Morris National Bank & Trust, Streator National Bank, Yorkville National Bank & Trust, and American Commercial Bank & Trust.

First Ottawa Financial Services is a division of The First National Bank of Ottawa

EMAIL NOTICE:  Please be aware that Internet E-mail is not a secure means of transmitting information. Private information such as Account Numbers and Social Security Numbers should not be included in your E-mail.


Main Bank
701 LaSalle St.
Ottawa, IL 61350
Phone: 815.434.0044
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