D. Keith Hefner
President & CEO
NMLS# 477189
Lance L. Lanier
Executive Vice President
NMLS# 489438

Joe D. Ryan
Senior Vice President
NMLS# 477200

Joe Dan Stewart
Senior Vice President – Cashier

Phyllis Billingsley
Vice President
NMLS# 477198

Mary F. Blount
Vice President

Darla J. Brown
Vice President
NMLS# 477196

J. Alan DeFrees
Vice President
NMLS# 207338

Russell Johnson
Vice President
NMLS# 953207

Charla J. Munyak
Vice President

Joyce L. Smith
Vice President

Shayna Butcher
Assistant Vice President

Teri Heaton
Vice President

Kelly Keener
Assistant Vice President

Melinda McBride
Vice President

Cathy Wasko
Assistant Vice President

Brittaney Taylor
Branch Officer – North Hills

Pam Collins
Mortgage Operations Officer

Reba Collins
Branch Officer – Alma

Beverly Johnson
Loan Officer
NMLS# 477194

Laci Stowe
Assistant Vice President
NMLS# 989695

Daniel Lamproe
Investment Services Officer

R. David Short
Collateral Evaluation Officer

Jared Speaker
IT Officer

Cindy Winborn
Trust Officer

Brent Taylor
Vice President
NMLS# 1139937

Ashley Reed
Assistant Vice President
NMLS # 1160344

Martha Bankston 
Mortagage Officer
NMLS # 477190

Donna Bishop
Branch Officer – Downtown

Kimberly Brown
Branch Officer – Northridge Branch

Debbie Roark
Branch Officer – Main Bank

Brad Martin
Loan Officer – Downtown Branch
NMLS# 1209644

Melissa Strange
Loan Administration Officer- Main Bank

Chukwukere Ekeh
Marketing Officer


Citizens Bank & Trust Company
NMLS #421329