looking to refinance your house and get some cash out? Consolidate your debts? Pacific Financial Bancorp is the place. Whether it is refinancing and getting cash out, consolidating debts, buying a home, or repairing credit, Pacific Financial Bancorp has

-lock bags, safe-deposit boxes, gift, credit, and debit cards. It also provides merchant and direct deposit solutions, internet banking mortgage department that provides auto, bill consolidation, education, construction, and home improvement and equity loans. With a team of