Don R. Waters, President & CEO
 
     BEDFORD BRANCH
     Gary Green, Market President
     Jamie Tongate, Senior Vice President
 
     DAVIS BRANCH
     Mike Rigby, Market President
     Mindy Mitchell, Senior Vice President
        
     NORTHEAST BRANCH
     Marlene Sanderlin, President

     NORTHEAST COMMERCIAL LENDING
     Sheri Taylor, Executive Vice President
     Donna Moon, Senior Vice President
     Ashley Waters, Senior Vice President
 
     SUMMIT BRANCH
     Laura Miller, Market President
     Reagan Casey, Executive Vice President
 
     WESTSIDE BRANCH
     Jeff Huffman, President
     
     TREASURY MANAGEMENT
     Carolann Morris, Vice President

     INFORMATION TECHNOLOGY
     Matthew Tucker, Vice President