The First National Bank
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Directors 
James L. Ratcliff, Chairman  Yuvonne Watt, Secretary 
Tim S. Williams  *Bill G. Daugherty 
James N. Ratcliff  *Gerald M. Reynolds 
Edward P. Hamilton  *David E. Jones 
Tom Locke  *Jay Fimple 

* Advisory

VINITA

Executive Officers 
James L. Ratcliff, Chairman of the Board 
Tim S. Williams, President & Chief Executive Officer 
James N. Ratcliff, Executive Vice President 
Yuvonne Watt, Sr. Vice President & Cashier 

Operations Officers 
Steve Goins, VP / BIS Officer 
Maxine Madl, Assistant Vice President 
Derla Wise, Assistant Cashier 
Loretta Wall, Assistant Cashier 
Julie Dean, Assistant Cashier 

Lending Officers 
Sallye Burckhalter, Vice President  Tim Cox, Assistant Vice President 
Quannah Tucker, Vice President  H. Dee Robison, Vice President 
Cindy Victory, Vice President  Joann Sauer, Assistant Cashier 

Mortgage Lending 
Dana Thiems, Mortgage Loan Specialist 

Trust Officers 
Lowell Hatcher, Vice President & Trust Officer 

GROVE

Executive Officers 
Edward P. Hamilton, President 
Tom Locke, Sr. Vice President 
Becky Fields, Assistant Vice President  

Lending 
Robert L. Williams, Loan Officer 

Mortgage Lending 
Terry Hunter, Mortgage Loan Division Manager 
Maria Welch, Mortgage Loan Specialist 

CLEORA

Branch Manager 
Kevin McGuire 

 
 

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