This building occupies a prominent site at the foot of the viaduct crossing the extensive rail yards. The three-story building combines Renaissance and Romanesque influences in rough-cut red sandstone on the first floor and brick on the second and third, with limestone details. Local businessmen established the bank in 1888 as the “people's bank,” that is, owned by stock holders.
In the next block at 316 N. Main Street is the Eikel-Prewitt Building (1893, Henry Struve), a two-story brick structure built for the Eikel Hardware Company that retains its cast-iron pilasters.