Fighting the wars of the "little" bank in the North Bay for more than a century has taught Westamerica that personalized service is paramount. A high-peaked ceiling, numerous plants and paintings of Benicia landmarks create ambiance that helps offset the potential inconvenience of a single ATM. Operating under an 1884 banking charter issued to the First National Bank of Cloverdale, this site was a Vaca Valley Bank for years before being acquired by the Cordelia-based Westamerica.