Florida native. BA degree from the University of Florida, and an MBA from Pepperdine University. Attended the ABA National Commercial Lending Graduate School and the ABA Stonier Graduate School of Banking. Served as a Commissioned Officer in the US Army prior to beginning my banking career, which now spans 46 years. Banking experience includes service with Florida National Bank, Barnett Bank, SunTrust Bank, Community BankShares/Georgia, American Momentum Bank, and Central Bank. Have Served in such diverse roles as President & CEO, Vice Chairman, Chief Lending Officer, Chief Credit Officer, Regional Director and Commercial Line of Business Manager. Believe in servant leadership and community service and have served as a board member of the Chamber of Commerce, United Way, American Heart Association, Rotary Club (Paul Harris Fellow+2), Downtown Development Authority, Habitat for Humanity, Georgia Council on Economic Education and the Florida Bankers Association (FBA). I presently serve on the FBA Government Relations Committee (GRC), FBA BankPac Board, and the FBA Educational Foundation Board. I am also active in the Georgia Bankers Association.