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  *Rick Littlefield 

* 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  Derla Wise, Assistant Vice President 
Maxine Madl, Vice President  Loretta Wall, Assistant Vice President 
Julie Dean, Vice President  Lisa Lambert, Assistant Cashier 

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

Mortgage Lending 
Dana Thiems, Mortgage Loan Specialist 

Trust Officers 
Lowell Hatcher, Vice President & Trust Officer 

GROVE

Executive Officers 
Edward P. Hamilton, President 

Lending Officers 
Becky Fields, Vice President  
Justin Teel 

Mortgage Lending 
Terry Hunter, Mortgage Loan Division Manager 

CLEORA

Branch Manager 
Kevin McGuire, Manager 
Keli Bishop, Asstistant Manager 

 
 

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