Arkadelphia's Southern Bancorp Inc. is paying $28 million cash for FCB Financial Services Inc., the holding company of Jonesboro's Premier Bank of Arkansas. The addition of the $227.4 million-asset bank, which operates full-service offices in Craighead and Crittenden counties, will enlarge Southern Bancorp's footprint to 16 Arkansas counties. The deal will also provide the gateway to Jonesboro, Marion and West Memphis for the $2 billion-asset Southern Bancorp Bank. The community development lender will step into those markets where Premier holds deposits of: $155.3 million in West Memphis, an 11.82% share that ranks third among eight banks in the $1.3 billion-deposit market; $130.5 million in Marion, a 36.31% share that is tops among five banks in the $359 million-deposit market; $12.8 million in Jonesboro, a 0.36% share that ranks 18th among 20 banks in the $3.5 billion-deposit market.