The First National Bank

The First National Bank

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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