Our mission is to optimize the return on our shareholder's investment while operating a financial institution in compliance with all banking rules and regulations.

We are a retail oriented bank targeting a customer base of households and small to medium sized businesses in the communities we serve. Our goal is to be the most prominent independent community bank offering a broad range of high quality, personalized banking services, competitively priced.

Our Board of Directors and our personnel are the most important elements in determining our ability to achieve this mission. We strive to provide an attractive compensation package for employees who demonstrate a desire to help us accomplish our goals. We commit the bank's resources and encourage our directors and staff to share their abilities with the community and charitable organizations.

Raymond A. Biernacki, Jr., Chairman
James D. Houck
Terry C. Williams, Vice Chairman
Don Whalen
Kim Booker



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