Code of Ethics for Principal Executive Officer,
Principal Financial Officers

(As Required By Section 406 of the Sarbanes-Oxley Act)

In accordance with the provisions of Section 406 of the Sarbanes-Oxley Act, First Heritage Bank  has adopted this Code of Ethics applicable to the principal executive officer, the principal financial officer of First Heritage Bank (collectively, the "Covered Officers").  This Code has been designed to deter wrongdoing and to promote honest and ethical conduct.  Accordingly, this Code provides principles to which the Covered Officers are expected to adhere and advocate.  This Code embodies rules regarding individual and peer responsibilities, as well as responsibilities to the Company, the public and other stakeholders.

In my role as a Covered Officer of First Heritage Bank, I recognize that I hold an important and elevated role in Corporate Governance.  I certify that I will adhere to and advocate the following principles and responsibilities.  To the best of my knowledge and ability, I will:

1. Act with honesty and integrity, avoiding actual or apparent conflicts of interest involving personal and professional relationships;
   
   
2. Provide other officers and constituencies of First Heritage Bank with information that is full, fair, accurate, complete, objective, timely and understandable;
   
   
3. Comply with laws, rules and regulations of all U.S. and non-U.S. governmental entities, as well as other private and public regulatory agencies, to which First Heritage Bank is subject;
   
   
4. Act at all times in good faith, responsibly, with due care, competence and diligence, without any misrepresentation of material facts;
   
   
5. Act objectively, without allowing my independent judgment to be subordinated;
   
   
6. Respect the confidentiality of First Heritage Bank's information, except when authorized or otherwise required to make any disclosure, and avoid the use of any of First Heritage Bank's information for personal advantage;
   
   
7. Share my knowledge and skills with others to improve First Heritage Bank's communications to its constituencies;
   
   
8. Promote ethical behavior among my peers and employees under my supervision at First Heritage Bank;
   
   
9. Achieve responsible use of and control over all assets and resources of First Heritage Bank entrusted to me; and
   
   
10. Promptly report any violations of this Code to First Heritage Bank's General Counsel and the Chairman of the Audit Committee.