St. Joseph was established in 1872 on land purchased and laid out by the Catholic Homestead
Association of Cincinnati. The town's earliest citizens were mostly of German Catholic decent, along with some Polish
and other European nationalities. Soon, these hard-working newcomers were joined by protestants who had settled earlier
along branches and creeks, e.g., Shoal Creek (Mt. Nebo), Wolf Creek, Blue Water, etc. The major occupation was farming,
but the success of the new citizens soon demanded supporting businesses. In time, large stores, blacksmith shops, a
carpentry-casket making shop, cotton gin, mills, modern railroad depot, livery stable, hotel, livestock business, timber industry,
post office, a public school, and other churches became a part of the new town. Then early in 1910, the dream of
having a local bank became a realty. The bank, originally called the American and German Bank, and after World War I,
the American Bank, had far-reaching and deep influence on southern Lawrence County and northern Lauderdale County, Alabama.
With the bank and all the businesses, the bustling town of St. Joseph became a center of commerce for these areas. Today,
as in the past, St. Joseph remains a friendly village of hard-working, civic- minded folks eager to grow into the 21st century
while preserving the past. We invite you to come visit our charming little town and learn more about us.