
For a small town bank, the Lake City Checking account is a pretty good option.
Reasonable terms, easy to apply into, and friendly customer service. It's not perfect though, they do charge a small (6 dollars) monthly fee but don't let this deter from an otherwise good bank. Especially if you're okay with Electronic Statements in which case they waive the monthly fee.
Check it out though, you'll have a reliable and trustworthy experience.