SCBT Financial Corporation operates as the holding company for South Carolina Bank and Trust, N.A. and South Carolina Bank and Trust of the Piedmont, N.A. These banks provide a range of retail and commercial banking services, mortgage lending services, trust and investment services, and consumer finance loans. These banks offer checking accounts, NOW accounts, and savings and time deposits of various types; brokerage services, trust and asset management services, and alternative investment products, such as annuities and mutual funds; and business loans, agriculture loans, real estate loans, personal use loans, home improvement loans, automobile loans, and home equity lines of credit....