Claudia L. Bratcher
ABG Sales Director
Arvest Bank Fort Smith,AR

R. David Crader
CEO
The Bank of Missouri Perryville, MO

Zach Dennis
Consultant
DD&F Consulting Group Little Rock,AR

Boris Dover
President/COO
First Community Bank Batesville, AR

Aubrey Earnheart
Commercial Sales Manager
Regions Bank Memphis,TN

Carolyn E. (Betsy) Flynn
Chairman/President/CEO
Community Financial Services Bank Benton, KY

Reg Germany
Bank Consultant
Germantown,TN

Jeffrey C. Gerrish
Attorney
Gerrish McCreary Smith, P.C. Memphis,TN

Jim S. Gowen, Jr.
President/CEO
Merchants & Planters Bank Newport, AR

Tom Halupnik
Senior Vice President
First Tennessee Bank Memphis,TN

John T. Hampton
Chairman/CEO
First Western Bank Booneville, AR

Steven J. Handke
President/CEO
Union State Bank Everest, KS

David E. Hayes
President/CEO
Security Bank Dyersburg,TN

Gene Henson
President North Region
Trustmark National Bank Germantown,TN

Michael B. Hobbs
CEO
First Commercial Bank Chaffee, MO

Chris Holmes
Chief Banking Officer
FirstBank Lexington,TN

Jeremiah Jones
AVP and Branch Manager
First Citizens National Bank Atoka,TN

Christopher M. Kelley
Executive Director
Barret School of Banking Memphis,TN

Danny J. Kelly
President/CEO
The HomeTown Bank of AL Oneonta,AL

Gordon Lewis
Vice Chairman
BancorpSouth Tupelo, MS

William H. Lovell III
Senior Vice President
Cadence Bank Memphis,TN

Cole Martin
Chairman/CEO
First Security Bank Clarksville,AR

Tom Martin
Regional President
Cadence Bank Memphis,TN

Sam P. McClatchy, Jr.
President/CEO
First State Bank Holly Springs, MS

I. Joe Miles
President
First National Bank & Trust Co. Mountain Home,AR

Shawn Mitchell
President/CEO
Community Bankers Association of Kansas Topeka, KS

Buddy R. Montgomery
Chairman/President/CEO
First National Bank Pontotoc, MS

Jack Nall
Executive Vice President
First Community Bank of Eastern AR Marion,AR

Robert L. Palmer
President/CEO
Community Bankers Association of Ohio Columbus, OH

Sam Potts
Vice President
First M&F Corporation Kosciusko, MS

James L. Reber
President/CEO
ICBA Securities Memphis,TN

Jerry Sage
Executive Director
Missouri Independent Bankers Association Liberty, MO

Joshua A. Shipley
Vice President
Independent Bank Memphis,TN

Jerry T. Sims
North Region CEO
Southern Bancorp Bank Blytheville,AR

Ray Skinner
EVP/Chief Banking Officer
Community & Southern Bank Atlanta, GA

Bethany L. Smith
Retail Regional Manager
Trustmark National Bank Germantown,TN

Milton B. Smith
Chairman/President/CEO
First National Bank Walnut Ridge, AR

Claude H. Springfield III
Senior Executive Vice President
Renasant Bank Tupelo, MS

Rebecca Thomas
Registrar
Barret School of Banking Memphis,TN

David W. Thompson
President/CEO
Peoples Bank & Trust Co. Troy, MO

Richard G. Trammell
Executive Director
Arkansas Community Bankers Hot Springs,AR

Ken Vaughan
Chairman/President/CEO
FirstState Bank Lineville,AL

Vance L. Witt
Chairman/CEO
BNA Bank New Albany, MS

M. E. Bond
Germantown,TN

Jim S. Gowen, Sr.
Chairman
Merchants & Planters Bank Newport,AR

Forrest N. Jenkins
Marion,AR

P. Michael Murphy
West Memphis,AR

Frank J. Nichols
Benton, KY

Frank W. Oldham, Jr.
Boerne,TX

Kenneth W. Plunk
Germantown,TN

Tom A. Wright
Destin, FL

Independent Accountants:
Reynolds, Bone & Griesbeck PLC