Volume 133, No. 5 August 4, 2008 www.bankersdigest.com

In This Issue...

Commentary: Texas Community Banks Strong, Well-CapitalizedFeature..............................................3

Charter Activity..............................8

Classified.........................................9

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Liberty Bank of Arkansas has an-nounced the appointment of Alan Ward as the Mor-rilton community bank president. He serves at the bank’s main office at 1302 Hwy. 9B N. in Morrilton. Ward has served in banking for the past five years. He received a BSBA degree in accounting from the Univer-sity of Arkansas in 2003. Liberty Bank of Arkansas, based in Jonesboro, acquired the two Morrilton offices through its merger with First Arkansas Valley Bank, Russellville Q

Prairieville, LA, De Novo Names Wilson CEOThe Louisiana Office of Financial In-stitutions has announced the opening of South Louisiana Business Bank at 38567 Hwy. 42 in Prairieville, effective July 1. Organizers of South Louisiana Business Bank successfully raised $12.6 million in capital. Ronald Lee Wilson will serve as CEO, Michael Anthony Naremore as president, Coy Chris Casso as chair-man of the board, Charles Edward Chiasson Jr. as executive vice president and chief operations officer, John Lynn Ortis as CFO and compliance officer, and Scott Paul Shaddinger as chief lending officer. The de novo commercial bank will provide a full array of banking products and services primarily to individuals, professionals/business owners, and their closely held businesses. Commis-sioner John Ducrest stated that this is the first new commercial bank to open in LA since June 14, 2006. The bank is the first new bank in Ascension Parish since 1998. In an earlier statement, Wilson re-ported the bank has purchased land in Gonzales at LA 44 and Black Bayou Rd. for a second office Q

Bagwell Is Chairman, CEO, Bank of TX DallasVeteran Dallas banker Norm Bagwell has been named chairman and CEO of Bank of Texas, N.A., Dallas. Bagwell re-places C. Fred Ball Jr., who will stay on as senior chairman for about a year and half. The move comes almost a year after Bagwell’s departure as president for the Dallas region at JPMorgan Chase Bank, N.A. He began his banking career in 1985 as a trainee at Dallas-based MBank, which was absorbed into Bank One, which later merged into JPMorgan & Co. Bank of Texas, N.A., a subsidiary of BOK Financial Corp., Tulsa, OK, is among the top three banks based in North TX with assets of of $5 billion. Bagwell stated in an article in The Dallas Morning News that he plans to make the bank’s branches more uni-form while adding three to five more per year. He said his “goal is to take the bank to $10 billion over the next five to seven years.” Q

Bagwell

Coppermark Bank Ups Renfro to Senior VPTracy Renfro has been promoted to senior vice president at Coppermark Bank in Oklahoma City. She is 30-year banker and has served with the bank for 16 years. Renfro serves as a commercial lender at the 2500 W. Memorial Rd. office Q

Liberty Names Ward Morrilton President

Ward

Mebane Is President, Austin Bank in Emory

Mebane

Renfro

Austin Bank vice chairman Jeff Aus-tin III has announced the retirement of Larry Reed as president of Austin Bank in Emory, TX, and the naming of John Mebane to succeed Reed. Reed joined Jacksonville-based Austin Bank in No-vember 1996. The veteran East Texas banker opened the Emory office in 1997. Mebane, a 23-year banker, has served with the bank’s Grand Saline office since October 2006. He served with Reed from 1985-1994 at Farm Credit in Tyler. He holds bachelors and masters degrees in science from East Texas State University Q

Page 2 BANKERS DIGEST August 4, 2008

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p e o p l e TeXAS

Spencer Is Chief Credit Officer, Sugar LandTim Stubenrouch, president of First Community Bank Fort Bend, N.A., Dennis Simmons, AAP, president and

CEO of SWACHA, The Electronic Pay-ments Resource®, Dallas, has been appointed to serve on the Risk Man-

agement Advisory Group (RMAG) of the National Au-tomated Clearing House Associa-tion (NACHA). He will serve a 2-year term on the 25-member commit-tee.

NACHA began its Risk Management Advisory Group in 2005, where Simmons served as the co-chair. Simmons has over 20 years expe-rience as senior operations officer of several Dallas area banks. A frequent speaker and recognized expert on pay-ments system issues, he is currently a member of the board of NACHA, the immediate-past chair of NACHA’s Electronic Check Council and imme-diate-past co-chair of NACHA’s Risk Management Advisory Group. He is a member of the advisory council and

Sugar Land, has announced the ap-pointment of John Spencer as credit officer. Spencer has 33 years of banking experience as a banker/lender in the

Houston market area, specializing in business and commercial real estate lending. He previously worked for Capital One Bank, Hiber-nia National Bank and Coastal Banc

and goes to First Community Bank af-ter a brief retirement. He is a gradu-ate of the University of Houston with a BBA degree in finance. First Community Bank Fort Bend has five locations, two in Sugar Land at 13135 Dairy Ashford in the Granite Towers and 2735 Town Center Blvd North, in downtown Richmond at 208 Morton St., in Rosenberg’s Brazos Town Center at 24310 Southwest Free-way, and the newest office in Missouri City at 9029 Highway 6 at Sienna Plan-tation Q

Spencer

SWACHA CEO Simmons Named to NACHA Group

Simmons

Bank of Houston Names Parker CEO, Cypress Station

Dobbs Joins ANB Wealth Management Group, DallasAmerican National Bank of Texas (ANB), Terrell, recently announced that Randy Dobbs has joined the bank as financial advisor for the Dallas Central Banking Center at 2725 Turtle Creek Blvd. He goes to ANB from Ed-ward D. Jones in Mesquite Q

Bank of Houston has named Larry W. Parker CEO of the de novo bank's Cy-press Station location at 4606 FM 1960 W., Ste. 432 (temporary location). The bank has also reported that An-drew Novarini has been named vice president of lending Q

August 4, 2008 BANKERS DIGEST Page 3

(continued on Page 8)

F e A T U R e

recently joined Texas Banking C o m m i s s i o n e r Randall James at a State Capitol news conference called to discuss the fi-nancial turmoil cre-ated by the mort-gage crisis and the strength of our state banking system. Commissioner James called the times “stressful” due to the attention rightfully given to the failure of IndyMac Bank of California and reports of bank customers concerned about their bank’s financial health. He “stressed” the fact that deposits in Texas banks are safe. My purpose was to bring some sem-blance of reason to what has become a frantic feeding frenzy in the press, and to let Texas consumers know the truth about what’s really happening in the Texas community banking world. My official role in the news confer-ence was that of Chairman of the Inde-pendent Bankers Association of Texas, which represents some 2,000 Texas-based banks and branches. However, I also spoke as a concerned member of the banking community. My day job is executive vice president of Frost Bank, based in San Antonio with 104 branch-es throughout the state. There is no doubt that the financial sector is stressed. While there cer-tainly are some exceptions, the root of the current problems stems from the mortgage mess and the greed and unrealistic expectations exhibited by virtually all of the parties involved throughout the chain — buyers look-ing to make a quick buck or purchase ‘more house’ than they could afford; Realtors wanting to close a sale; mort-gage brokers steering a borrower into a less-than-optimal mortgage prod-uct; lenders making what in hindsight was a very imprudent loan decision; and, investment bankers offering ag-gressive, exotic and high-risk prod-

• Texas community banks did not par-ticipate in the exotic mortgage frenzy that created so much havoc when the bubble inevitably burst. We pretty much stayed with the types of lending we have done for years—to local con-sumers and small businesses. The mortgages we made and still make are the same mortgages we have made for years. I suppose being conserva-tive may not be flashy, but it sure has been a good thing for the community banks of Texas.

ByCliff McCauley

2008 IBAT Chairman

COMMENTARYTexas Community Banks Strong, Well-Capitalized

ucts to their investors. It’s not a pretty picture at all. In his remarks, Commissioner James said the Texas banking sys-tem is strong and healthy and re-flects the Texas economy in general. He “stressed” that Texas banks, as a whole, reflect higher capital levels, higher loan loss reserves, better earn-ings and better management experi-ence compared to our past and com-pared to the rest of the country. I offered a few observations of my own.

McCauley

Page 4 BANKERS DIGEST August 4, 2008

p e o p l e TeXAS

LeBouf and Moore Join Green Bank in HoustonJ. Cory LeBouf and Kay Moore have joined Green Bank, N.A., Houston, as vice president of commercial banking and vice president of the Money Desk, respectively Q

Retired Chairman of City NB, Colorado City, Thompson DiesEmabeth Pittman Thompson, a re-tired West Texas bank director, died on July 15. She was born September 20, 1920, in Albany, TX, to a pioneer ranching family. In 1956, she married Charles C. Thompson, a prominent Colorado City attorney and banker. Spending her adult life active in farming, ranching, community service, and banking, she served for over 30 years on the board of directors of City National Bank of Colorado City, most recently as chairman of the board until her retirement in April 2007 Q

Tarrant County-based Worthington National Bank recently announced that Dee Kelly Jr., managing partner at Kelly, Hart & Hallman, LLP, has joined Worthington National Bank’s board of directors. Board chairman John Bo-swell made the announcement. Kelly, Hart & Hallman, LLP, is a Fort Worth-based law firm. Kelly joined the firm in 1992 and was named managing partner in 2002. His speciality is civil litigation at both the trial and appellate levels Q

Kelly Joins Board of Directors, Worthington National Bank

First Financial Bank of Eastland has announced that David Bailey has joined the bank as vice president and lending officer. He has served five years with the First Financial family of banks, most recently as vice president and lending officer with First Finan-cial in Granbury and earlier with First Financial in Abilene. He graduated from McMurry University in AbileneQ

Bailey Joins First Financial Eastland as Vice President

Frost Names Dorris & Shanks Senior VPFrost Bank-Houston region president Robby Shelton has reported that Cath-erine Dorris has been named senior vice president, corporate banking, Missouri City Banking Center. Jack Doherty, West-chase Financial Center, and Antone Gar-row Wessendorff, Downtown Galveston Financial Center, have been named relationship banking officer. According to Marvin Rickabaugh,

Austin region president, the bank has named Joy Shanks senior vice president, vendor leasing, and Jennifer Clark, vice president, corporate lending, both at the Downtown Austin Financial Center. According to Don Frost, San Antonio region president, Rosantina Aranda was promoted to assistant vice presi-dent, commercial lending, Southwest Military Financial Center Q

August 4, 2008 BANKERS DIGEST Page 5

p e o p l e

MidSouth Bank, N.A., Lafayette, exec-utive vice president and CFO J. Eustis Corrigan Jr. has been promoted to se-nior executive vice president. Corrigan, a CPA, returned to Lafay-ette and joined MidSouth in 2006 after two decades as a public accountant with a niche in banking and financial services. He relocated from San Anto-nio, where he was a tax services part-ner with KPMG LLP. He oversees MidSouth ’s finance, ac-counting, tax, and treasury functions, as well as asset/liability management, profitability, and budgeting. He also is in charge of regulatory compliance, and he regularly makes presentations to the investment community, discuss-ing certain aspects of the the publicly-traded company’s strategic plan for growth in LA and TX Q

Irene Baker, a retired Shreveport banker, died June 26. She was born on March 6, 1920, and graduated from Cen-tenary College. She taught for a short time before starting a career in banking. She was vice president of The First National Bank of Shreveport (now Chase) before retiring after 42 years Q

Retired First of Shreveport Vice Pres Baker Dies at 88

Retired Bank Executive Clawson Dies at Age 81Norman Edwin Clawson, a retired bank executive and a resident of Broken Arrow since 1991, died of cancer June 8. He was born July 12, 1927, in Muskogee Co. After serving in the U.S. Navy, he began his banking career at the Com-mercial National Bank in Muskogee before moving to CO. He later held positions with Citizens State Bank in Oklahoma City and with Community State Bank and Admiral State Banks in Tulsa before joining Rogers County Bank in Claremore where he served as. president and director. In 1973, he left OK to oversee the opening of First National Bank of Derby, KS. In 1974, he retired from banking Q

MidSouth CFO Corrigan Upped to Senior EVP

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loUISIANA NeW MeXICo

Picard Elected Vice Pres, Investments, FNB of ArtesiaEverett Crawford, chairman/CEO of The First National Bank of Artesia, has announced Debbie Picard has been promoted to vice president and invest-ment officer in Artesia. She has served with the bank for over four years and has 25 years in accounting and invest-ments. She is a graduate of Northern Arizona University and is a CPA Q

Dubroc and Rudge Upped At RegionsJoanie Dubroc has been named se-nior vice president/community bank-ing executive for Regions Bank South Louisiana. She was previously business banking executive. Kevin Rudge, previously a business relationship manager, has been named vice president/community banking sales manager for Greater Baton Rouge Q

Page � BANKERS DIGEST August 4, 2008

N e W S W A T C HTeXAS

Ridlehuber Reports Crosby and Rod to lead De Novo Charter Alliance Bank in Corpus ChristiVeteran TX banker and CEO of Charter Bank, Corpus Christi, Sid C. Ridlehu-ber has decided to establish Charter Alliance Bank, Corpus Christi, along with business partner Raju Bhagat. Charter Alliance Bank will be owned 51% by Charter Bancshares Inc., Corpus Christi, and 49% by a local investor group, Ridlehuber told Corpus Christi Caller-Times writer Elvia Aguilar. “The total capitalization of the bank is about $5 million,” Ridlehuber said. The Texas Department of Banking has approved the de novo bank’s charter application. The Federal Reserve Bank of Dallas has approved an application by Charter Bancshares to acquire 51% of the voting shares of Charter Alliance Bank. A banking facility is under construc-tion at 3701 Saratoga Blvd. Ridlehuber said he hopes the facility will be com-pleted by late November. Charter Bancshares Inc. also owns

Charter Bank, which has two offices in Corpus Christi and one in Rockport. “We’ve decided to keep Charter in the name to show its relationship to Charter Bank and the Alliance part represents the new investors,” Ridle-huber said. Raleigh Crosby will serve as presi-dent and CEO. He has 23 years of ex-perience in the Corpus Christi banking market. He most recently served as senior vice president at Charter Bank. Paula Rod will be the bank’s CFO. She has 25 years of banking experience, the past nine years with Charter Bank. An additional six employees will work at the bank. Charter Bank was established in 1962 as Stonewall Bank. It changed its name to Charter Bank-Northwest in 1982 and then to Charter Bank in 2001. As of June 30, 2008, the bank reported total assets $152. 8 million and total deposits of $139.9 million, respectively Q

Metropolitan National BankReceives Humanitarian AwardMetropolitan National Bank, Little Rock, received the Large Corporate Humanitarian Award at the 2008 Com-munity Service Awards presentation held recently at The University of Cen-tral Arkansas’ Reynolds Auditorium in Conway. The Community Service Awards are sponsored by KARK-TV, the Arkansas Department of Health and Human Services Division of Volunteer-ism, the Office of the Governor, and St. Vincent’s Health System. Lunsford Bridges, president/CEO of Metropolitan, accepted the award on behalf of the bank at the ceremony recognizing companies that serve the community in extraordinary ways. Metropolitan National Bank annual-ly compiles the volunteer service of its employees. In 2007, more than 18,000 hours of community volunteer service were contributed by Metropolitan National employees to organizations across Arkansas. Metropolitan Nation-al Bank was also the only large bank in AR to receive an outstanding rating in their 2007 CRA examination Q

ARKANSAS

BANK FAIlUReSMutual of Omaha Bank Buys All Deposits of Two FailuresFirst National Bank of Nevada, Reno, and First Heritage Bank, N.A., New-port Beach, CA, (both owned by First National Bank Holding Company, Scottsdale, AZ) were closed by the Office of the Comptroller of the Cur-rency on Friday, July 25, and the FDIC was named receiver. The FDIC entered into purchase and assumption agree-ments with Mutual of Omaha Bank, Omaha, NE, to take over all of the deposits and certain assets of the First National Bank of Nevada (also operat-ing as First National Bank of AZ which it recently merged) and First Heritage Bank, N.A. The 28 offices of the two banks reopened on Monday, July 28, as branches of Mutual of Omaha Bank. As of June 30, 2008, First National of Nevada had total assets of $3.4 bil-lion and total deposits of $3.0 billion. First Heritage had total assets of $254 million and total deposits of $233 million Q

August 4, 2008 BANKERS DIGEST Page �

Page 8 BANKERS DIGEST August 4, 2008

C h a r t e r

a c t i v i t y

R e g U l A T o R S

ArizonaBRANCHES The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has ap-proved applications by JPMorgan Chase Bank, N.A.,Columbus, OH, for branches: 31307 N. Scottsdale Rd., Scottsdale; 11625 N. Oracle Rd., Oro Valley; 1920 W. Chandler Blvd., Chandler; 15314 N. Oracle Rd. and 8360 N. Thornydale Rd., Tucson. It has approved an application by Wa-chovia Bank, N.A., Charlotte, NC, for a branch at 1256 E. McKellips Rd., Mesa.LouisianaCHARTERS The OFFICE OF FINANCIAL INSTI-TUTIONS has approved an applica-tion for a charter by South Louisiana Business Bank, a proposed “de novo” state-chartered commercial bank, to be located at 38501 Hwy. 42, Prairieville. BRANCHES The OFI has approved an ap-plication by First Bank and Trust, New Orleans, for a branch at 2701 Johnston St., Ste. 101, Lafayette. It has filed an application for a branch at 1201 Camellia Blvd., Lafayette. It has withdrawn an application

by Statewide Bank, Terrytown, for a branch at 3804 Lapalco Blvd., Harvey. It has filed and approved an applica-tion to consolidate its Mandeville branch at 3025 East Causeway Ap-proach, with the North Causeway branch at 1305 North Causeway Blvd, both locations within Mandeville. It has approved an application for a branch at 112 Holly St., Hammond. It has withdrawn an application by First Community Bank, Hammond, for a branch at the corner of LA Hwy. 59 and Harrison Ave. Ext., Abita Springs. It has filed and approved an ap-plication by Gibsland Bank & Trust Company, Gibsland, for a branch at 5200 E. Texas, Bossier City. It has approved an application by Investar Bank, Baton Rouge, for a branch at 3761 Hwy. 1 South, Port Allen.TexasBRANCHES The OCC has approved a appli-cation by First National Bank of Central Texas, Waco, for a branch a t 7 5 0 0 W. Wo o d w a y, Wa c o . It has reported an application by Commercial Bank of Texas, N.A., Nacogdoches, was effective for a branch at 1208 E. Bethany #2, Allen. It has received an application by First Victoria National Bank for a branch at 18415 FM 1488 Rd., Magnolia. It has received an application by Bank of America, N.A., Charlotte, NC, for a branch at 4040 N. Cooper St., Arlington Q

Feature (continued from Page 3)

banks of Texas.• Texas bankers—especially those of us with some gray hair—survived some very difficult times in the late 1980s. None of us have any desire whatsoever to go through that again, and thus, have taken a very conserva-tive—boring if you will— approach to the business of banking. I would point out that my bank, Frost, was the only one of the ten largest banks in Texas to remain autonomous through that very difficult period in our history.• Our Texas economy remains strong. People want to be here. Job growth, tax revenues, new construction and home sales—while no doubt impact-ed by the overall slowdown in the na-tional economy—continue at a pace to make the rest of the country quite envious.• Texas real estate markets did not ex-perience the ridiculous run up in mar-ket values that set up so many other parts of the country for a substantial correction and the ensuing pain of such a drastic decline in values.• Community banks across the coun-try, but especially in Texas, remain very well capitalized, in very good financial shape and doing business as they have always done it. Indeed, many of our members have seen an increase in business opportunities as consumers seek stability and the comfort of doing business with someone who knows them and actually cares about their financial well-being. Particularly disturbing in some of the recent press reports is the recommen-dation that consumers shy away from smaller banks if they are concerned about the safety of their funds. In reality, nothing could be further from the truth. The bottom line is Texas community banks are doing just fine. And, we in-tend to continue to serve our custom-ers—and any new ones who happen to want to bank with someone com-mitted to their community and finan-cial future—just as we always have Q

Bankers Digest has reported bank news in Texas and the Southwest during the boom and bust periods since June 15, 1942. Dur-ing the current stressful times in the banking industry, we believe M. McCauley’s observa-tions accurately reflect the thoughts of most community banks in our coverage area. Your comments are always appreciated.

August 4, 2008 BANKERS DIGEST Page �

B a n k e r s D i g e s tHOW TO CONTACT US

Fax to 214/221-4546. Mail responses to Box Number c/o Bankers Digest, 9550 Forest Lane, Suite 125, Dallas, TX 75243-5928. Phone: 214/221-4544. email: bankersdigest@bankersdigest.com

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risk profile. Regulators are satis-fied with this type of arrangement; and bankers receive a strong and cost effective compliance solution. Contact Mike Garland at (806) 535-8158.

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lending experience plus strong busi-ness development and credit skills. Harvey Urban, Babich & Associates, hurban@babich.com 214-823-9999.

PRESIDENT for growing WEST TEXAS BANKING GROUP. Excel-lent growth opportunity with out-standing salary and bonus program. Harvey Urban, Babich & Associates,

Commercial Lending Officer Houston community bank looking for a commercial lender with 5+ years experience in the Houston Market to serve as a Branch Presi-dent. Candidate should have both commercial underwriting and busi-ness development skills. Base plus bonus predicated upon portfolio growth and credit quality.

Commercial Lending Administrative AssistantCommercial lending administrative assistant with 2 + years experi-ence. Primary responsibilities include customer contact for loan re-newals and minimizing loan exceptions. Mortgage origination expe-rience a plus. Candidate should demonstrate good customer service skills working in a fast paced environment.

Staff AccountantStaff accountant with 2 + years experience. Candidate should have knowledge of account reconciliation, journal entries, and monthly reports.

New Account/TellerNew Account/Teller with 1 + years experience a plus. Candidate should have knowledge of customer service.

Email resume to hr_dept@wallisbank.com or fax (713) 827-8479.

Should have current/previous expe-rience in similar position. Good op-portunity. Sharon Emiliano, Babich & Associates, Sharon@babich.com, 214/823-9999, #306, www.babich.com (see banking).

NEW MEXICO SENIOR COMMER-CIAL LENDER. Great opportunity in beautiful area! Must have 8+ years

hurban@babich.com 817-336-7261 #304.

CONSUMER LENDER for SOUTH TEXAS COMMUNITY BANK. Candi-dates should possess strong busi-ness development and people skills and enjoy small community involve-ment. Harvey Urban, Babich & As-sociates, hurban@babich.com 817-336-7261 #304.

TULSA AREA COMMERCIAL LEND-ERS. I can help you find a better situation. Resume to Jon Davis, Bab-ich & Associates, 214/823-9999, jda-vis@babich.com, www.babich.com (Banking).

PHOENIX AREA COMMERCIAL LENDERS! I can help you find a bet-ter situation. Resume to Jon Davis, Babich & Associates, 214/823-9999, jdavis@babich.com, www.babich.com (Banking).

ALBUQUERQUE AREA COMMER-CIAL LENDERS! I can help you find a better situation. Resume to Jon Da-vis, Babich & Associates, 214/823-9999, jdavis@babich.com, www.babich.com (Banking).

Great opportunity for a DIRECTOR OF HUMAN RESOURCES in west Texas based bank. This position will be responsible for the management of the human resources function for multiple business units. The can-didate will partner with executive management to develop human re-source strategies as well as define

C l A S S I F I e D

August 4, 2008 BANKERS DIGEST Page 11

Position based out of Dallas of-fice. Ideal candidate should have minimum 5 years experience with physical and electronic security for financial institutions. Salary, ex-penses, and benefits provided. All responses will be kept confiden-tial. Respond to: (888) 451-4646 Ask for Charles.

East Texas community bank look-ing for NEW ACCOUNTS SUPERVI-SOR with 5 plus years experience, responsible for three locations. Self starter and cash management skills a plus. Send resume to Box Y-2, Bankers Digest.

Houston, TX, bank is seeking an EXPERIENCED COMMERCIAL LENDER for the Greater Houston Area. Great opportunity to join this well capitalized growing commu-nity bank. Fax resume to (713) 548-8707 or email to bankersdigest@bankersdigest.com, subject line Box Y-3.

CREDIT ANALYST / LOAN REVIEW Needed! Opportunity for experi-enced credit analyst. Clean and strong locally owned community bank near the DFW Metroplex. Excellent pay and benefits for the right person. Contact: hr@fnb-granbury.com.

South Central Texas bank has an opening for a CASHIER – OPERA-TIONS OFFICER. Qualified candi-dates should have a business/ac-counting degree, a minimum of 5 years bank operations experience,

and resolve complex staffing issues. Major strategic functional areas in-clude organizational planning and development, employment recruit-ing strategies, staffing strategies, employee relations, compensation, benefits, safety and health and em-ployee services. Candidate should have eight to ten years experience (preferably in banking), a bache-lor’s degree or equivalent in Human Resources (advanced degree pre-ferred), a broad knowledge of or-ganizational behavior, planning and development, employment and com-pensation law. This position offers a very competitive salary and benefits package for the right candidate. Send your information to Box J-1, bankersdigest@bankersdigest.com. All information will be kept strictly confidential.

First Financial Bankshares Inc., a premier Texas bank holding com-pany, has an immediate open-ing for SENIOR VICE PRESIDENT MARKETING AND ADVERTISING. Minimum requirements include a bachelors degree and 8 years marketing/advertising experience, a working knowledge of banking to include financial products, sales and marketing, prior experience in advertising, media purchasing, agency relations, and copy writing; advanced degree in business and/or marketing is preferred. Excellent communication and human relations skills are required. Please apply on-line at www.ffbtexas.com. Questions or assistance contact Pamela Mann, pmann@ffin.com. AAP/EOE.

EXPERIENCED COMMERCIAL LENDING OFFICER, Greater Hous-ton Area / Ground Floor Opportu-nity / Equity Package Potential / Independent bank seeks loan offi-cer that can generate deposits and commercial loans. Target custom-ers are owner managed businesses including physician groups. The loan focus is equipment, A/R fi-nancing, and owner occupied real estate. Good financial and analyti-cal skills are required. A degree in finance or accounting is preferred. Competitive salary and benefits package. Send resume in confi-dence to Auswell3@yahoo.com.

40 year old independent bank equipment provider seeks SALES-PERSON for North Texas territory.

and be knowledgeable in account-ing, regulations and technology. Send your information to bankers digest@bankersdigest.com, sub-ject line Box A-1.

BANK OPERATIONS OFFICER for a community bank in East Texas. Position requires knowledge of all areas of banking operations and supervisory experience. Some com-pliance experience is preferred. Please send resume to j.nowlin@etnbonline.com. EOE.

Hill Country bank seeking EXPERI-ENCED LENDER for a great oppor-tunity in Blanco, Texas. Ten years of lending experience preferable with strong background in real es-tate and light commercial. Must be actively involved in local communi-

C l A S S I F I e D

Page 12 BANKERS DIGEST August 4, 2008

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FOR SALE: Used safe deposit boxes, lockers, safes, night depositories, undercounter units, fireproof note and legal files, drive-up windows. Over 340 types SD Locks available. Custom made & large size gun safes

in stock. 580/584-7766 or 800/642-8763, or FAX: 580/584-7720, or email: safe@underwoodsafe.com or www.underwoodsafe.com.

CROSSLIN CO. BANK EQUIPMENT provides sales, service, and installa-tion of new and used equipment, in-cluding: modular vaults, vault doors, ATMs, safe deposit boxes, safes, undercounter steel, depositories, drive-in systems, bullet resistant windows, and file cabinets includ-ing: fireproof note, check, 4-drawer, legal or letter. Call 1-800-452-9058.

BANKING EQUIPMENT NEW AND

USED: Buy, sell or trade. Service & installation. Power files, x2 units, shelving, Mobile shelving, fireproof files-note, legal and letter, under-counter. Money safes, safety depos-it boxes. FLAIR SYSTEMS, 800/468-1246, 214/340-3580.

FOR SALE: NCR 7780; 12 – pocket high speed power encoder. To make an offer contact Michael Cotter (469) 429-2404 or mcotter@fibtxcom.

MODULAR BANK BUILDING: 14’ X 60’. Two offices, lobby, drive-up, and depository. For information email bankbuilding@fnbgranbury.com.