 In 1940, preparing for new federal rules that prohibited banks from operating in multiple states, C&S of South Carolina became a separate corporate entity from C&S of Georgia, allowing South Carolina to have a large "local" bank.In 1956, C&S of South Carolina merged with Growers Bank and Trust in Inman, South Carolina In 1960, C&S of South Carolina installed computers which improved efficiency allowing accountholders with $100 minimum balance per month to have free checking, a first in South Carolina.In 1985, the Citizens and Southern Georgia Corporation agreed to acquire Citizens and Southern National Bank of South Carolina for $400m or $55/share, reuniting (in 1986) the two banks which had been separated in 1940.