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| 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
| 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 |
| Steve Goins, VP / BIS Officer |
| Maxine Madl, Assistant Vice President |
| Derla Wise, Assistant Cashier |
| Loretta Wall, Assistant Cashier |
| Julie Dean, Assistant Cashier |
| 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 |
| Dana Thiems, Mortgage Loan Specialist |
| Lowell Hatcher, Vice President & Trust Officer |
| Edward P. Hamilton, President |
| Tom Locke, Sr. Vice President |
| Becky Fields, Assistant Vice President |
| Robert L. Williams, Loan Officer |
| Terry Hunter, Mortgage Loan Division Manager |
| Maria Welch, Mortgage Loan Specialist |
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Freedom Telephone Banking
256-7537 or toll free 877-256-7537 |
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