M & H Financial Services Incorporated was organized May 15, 1987, as a Holding Company for Quoin Financial Bank. Quoin Financial Bank has offices located in Miller, Highmore, and Sioux Falls, South Dakota.

We strive to understand, anticipate, and respond to the needs and wants of these customers we serve. Our profitability depends on our ability to serve those customers well. We are organized for market responsiveness and customer service.

The primary mission of the bank is to serve the banking needs of the Miller, Highmore, and Sioux Falls communities. The bank’s reputation of conservative soundness and its long time presence in the community has helped the bank maintain a major share of the local financial services market.

Quoin Financial Bank is an independent bank and fully intends to remain an independent bank.