Citizens State Bank Address: 120 Kingsbay Rd, St Marys, GA 31558 Phone: (912) 729-6742 Banks Other Businesses: Navy Federal Credit Union at 569 Charlie Smith Sr Highway, St. Marys, GA 31558 Coastal Bank Of Georgia at 6308 GA Highway 40 E, St Marys, GA 31558 Heritage Bank at 392 Charlie Smith Sr Hwy, St Marys, GA 31558 Southeastern Bank at 2512 Osborne Rd, St Marys, GA 31558