Commercial Lending

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                                 Mike Milam                        Herbert Davis                     Brent LeValley           
                            Senior Lending Officer          Commercial Loan Officer      Construction Loan Officer

                                                                       
                               Keith Bartusch                       Aaron Hines
                         Commercial Loan Officer        Commercial Loan Officer



               Mortgage Lending

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                                                 Dawn Williams                          Jenae Campanelli
                                   Mortgage Loan Origination Manager         Mortgage Loan Orginator


               Consumer Lending

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                                                 Lynne Heffner                                Becky Olson
                                          Consumer Loan Manager                 Consumer Loan Officer