Chris R. Powell
        Chief Executive Officer
        President

  Lisa G. Shrader
        Chief Financial Officer
        Exec. Vice President

  D.J. Hicks
        Chief Information Officer
        Vice President

  Jon R. Cole
        Senior Loan Officer
        Vice President

  John Matthews
        Loan Officer, Branch Manager
        Vice President

  Kim Guffey
        Loan Officer, Security Officer
        Vice President

  Dawn McBryar
        Loan Operations & Investments
        Vice President

  Kathy Reeves
        Internal Auditor
        Vice President