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Officers & Directors
Senior Management
   Michael G. Carlton
President and Chief Executive Officer		   Bruce W. Elder
Chief Financial Officer
   Ray D. Vaughn
Chief Operating Officer		   Thomas E. Holder Jr.
Senior Credit Officer
   W. Keith Betts
Market President

Board of Directors
   Bruce I. Howell
Chairman		   Brent D. Barringer
   William H. Cameron
   Michael G. Carlton
   Kenneth A. Lucas
   James A. Lucas Jr.
   Sheila Hale Ogle
   Charles A. Paul III
   Francis R. Quis Jr.
   Jon S. Rufty
   Stephen K. Zaytoun


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