Steve Bradshaw, senior executive vice president, BOK Financial Corp. Tulsa, OK, and Norm Bagwell, chairman and CEO, Bank of Texas, N.A., Dallas, jointly announced the appointment of Alan Miller as president of The Private Bank for Bank of Texas. Miller will be re-sponsible for managing the delivery of private banking, personal trust, invest-ment management, and brokerage ser-vices to high net worth clients in the Dal-las, Fort Worth, and Houston markets. A 21-year banker, Miller joins Bank of Texas from J.P. Morgan Chase where he led the private client group for Dal-las Prior to serving as market director for the private client group, he served as the commercial division manager for JP Morgan Chase Bank Q

Volume 133, No. 14 October 6, 2008

In This Issue...Financial Crisis-Some ThoughtsFeature.............................................3

Charter Activity.............................9

Classified......................................12

Please route this issue:

www.bankersdigest.com

Miller

Miller and Day Named President and Senior Vice President, Bank of Texas, N.A., Private Bank

Farmer Is EVP, Comerica Wealth Management

Miller holds a BBA degree in finance from The University of Texas at Austin and an MBA de-gree from the Cox School of Business at SMU. Randy Walker, Houston chair-man, Bank of Tex-as, and Alan Miller jointly announced the appointment of Mark P. Day as senior vice president and personal trust manager for The Private Bank, Day has more than 30 years of banking experience and has served in the trust divisions of three commer-cial banks and most recently, Merrill Lynch Trust Company. He has a BA degree from the University of Notre Dame, a J.D. from the University of Texas at Austin School of Law, and graduated as a trust major from SW-GSB at SMU Q

Day

Arvest Names Owens SVP/CLO in Little Rock

WAMU Is Seized by FDIC,Wachovia Sold to CitiFederal banking regulators seized Washington Mutual Inc., Seattle, on September 25 and struck a deal to sell the bulk of its operations to J.P. Mor-gan Chase & Co., New York. Moreover, Citigroup Inc., New York, reported it will acquire the banking operations of Wachovia Corp. Char-lotte, NC, in a deal facilitated by the FDIC. (See story on Page 6) The collapse of $307 billion-asset WAMU, which was triggered by a wave of deposit withdrawals, is the largest failure in U.S. banking history, eclips-ing the 1984 failure of Continental Illi-nois, which had $40 billion in assets. WAMU had put itself on the auction block. Several banks reviewed WAMU’s books, and a group of private equity in-vestors was approached. The deal with Chase “allowed a transaction in which neither the uninsured depositors nor the insurance fund absorbed any loss-es,” said FDIC chairman Sheila C. Bair. Chase agreed to pay $1.9 billion to the FDIC for WAMU’s banking opera-tions (2,239 branches in 15 states and over $188 billion in deposits) and will assume WAMU’s loan portfolio which it projects includes about $31 billion in bad loans. Chase gains a major presence in CA and FL where it is now vitually non-existent Q

Comerica Inc., Dallas, TX, has an-nounced the appointment of Curtis C. Farmer as executive vice president of wealth and institutional management. He will join Comerica’s management policy committee. Farmer will succeed Dennis J. Moo-radian, who is expected to retire in 2009. Farmer, who will join Comerica on October 20, comes from Wachovia Corp. where he served three years as executive vice president and wealth management director. The Wake For-est University graduate served with Wachovia for 23 years in trust, wealth management, and marketing Q

Arvest Bank, Fayetteville, AR, has hired Edward M. “Ed” Owens as senior vice president and commercial loan officer at the 500 Broadway Place office in downtown Little Rock. Owens, as 30-year banker, holds a bachelors degree from Westminister College, Fulton, MO. He previously served as a senior vice president at Metropolitan Na-tional Bank in Little Rock Q

Owens

Page 2 BANKERS DIGEST October 6, 2008

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p e o p l e TeXAS

Kaplan Joins First Victoria as Senior VPKevin Kaplan was recently hired by First Victoria National Bank as a se-

nior vice president and regional lend-ing and sales manager at the Corpus Christi Mann lo-cation. Kaplan has 21 years of banking experi-ence and holds a masters degree in land economics and real estate, as well as a degree from the Graduate School Banking of the South at LSU. He attended Loui-siana State University and Texas A&M University. He is also involved with the Nueces Co. Jr. Livestock Show as well as the Nueces Co. A&M Club. Julie Welch, banking center man-ager for the Corpus Christi Timbergate location, was recently promoted to vice president Welch has 28 years of banking expe-rience. Her volunteer service includes the Kayla Elvira Mungaray Music

Kaplan

Amarillo National Bank has an-nounced that Vickie Hargrove has joined the bank’s professional and ex-ecutive department at 1-40 and Coul-ter office. Shane McFather, a senior vice president of commercial lending, has been named a commercial loan officer in private banking Q

Scholarship Foundation (KEMMSF) as well as the United Way Child Care Allocations Committee. Shelly McCoy was recently hired by First Victoria as the banking center manager for the mini-bank branch lo-cated in downtown Victoria. She has 10 years of banking experience. She holds certification in life, accident, health, and HMO insurance, and is a Notary Public. McCoy is also the city secretary for the City of LaWard Q

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FINANCIAL CRISISSome Observations and

Thoughts for the Nation’s Community Banks

B D

FEATURE

As this issue goes to press, the historic $700 billion financial-res-cue package proposed by

the Bush Administration is being de-bated by Congress, the DJIA sustained its biggest point drop in history, and the U.S. economy could be headed into a prolonged recession. No one doubts, today, that the fi-nancial system is in trouble. However, there is not yet an agreement on what should be done. Most of those whose expertise we trust say that a govern-ment-assisted bailout is necessary, but they emphasize that the fix must be done right. The impact of the financial-rescue package on the nation’s community banks is of concern to this publication and to our many readers. We think Neil Milner, president/CEO of the Confer-ence of State Bank Supervisors, struck the right notes in his letter of con-cern to The Honorable Barney Frank, chairman, House Financial Services Committee. Milner wrote, “Indeed, in-vestment banks and very large retail banks, which have far greater culpa-bility in the mortgage mess, appear to benefit the most (from the Treasury’s plan). Community and regional banks, which did not generally participate in high risk lending or the securitiza-tion of these loans, have been greatly impacted by the resulting slowdown in the economy, have sustained sig-nificant losses relative to their hold-ings of Fannie Mae and Freddie Mac preferred stock, and now face the prospect of large bank competitors eliminating their bad assets, and in-vestment firms competing directly for funds with federally insured higher yielding money market accounts. In fact, if unaddressed, without offsetting provisions, the Treasury’s intervention to address systemic failure will cause collateral damage that could devasate our community banking industry.”

Milner requested Congress to con-sider the following points: • [First and foremost], all changes should be temporary to allow Con-gress more time to address the issues directly.• Community and regional banks, like the big, troubled institutions, should be provided the opportunity to sell their problem loans to the govern-ment.• The inequity of “too big to fail” treat-ment and the need to protect the pay-ment system should be addressed by providing the FDIC with more flexibil-ity under prompt corrective action, suspending broker deposit rules, and providing full deposit insurance cov-erage for demand deposits.• Congress should specifically autho-rize insurance for money market mu-tual funds, ensuring an FDIC-like ad-ministrative process for those funds. Moreover, any coverage should be subject to the same limits and indus-try funding requirements as those re-quired by insured depositories.• This is not the appropriate time for regulatory restructuring. Regulatory

reform deserves Congress’ thoughtful deliberation outside of a crisis envi-ronment. The Independent Community Bank-ers of America recently issued a state-ment on the safety and soundness of community banks:...”The vast majority of community banks have been and continue to be the safest and strongest financial institutions in our nation’s financial system. Most community banks are solid because they follow responsible business practices...Our nation has weathered turbulent times in the past and we’ve persevered to come back better and stronger...Com-munity banks have endured since the founding of our nation, and will con-tinue serving countless generations of Americans in the future.” Whatever financial rescue package is hammered out by Congress will be costly. However, the costs of inaction are probably immeasurable. There will be winners and losers when the dust settles. At the top of the list of winners should be the U.S. taxpayer and the nation’s community banks. Congress should act quickly, but carefully Q

Page 4 BANKERS DIGEST October 6, 2008

p e o p l e TeXAS

SANB Taps Gonzales, Names Joseph AVPThe San Antonio National Bank has elected Lydia Gonzales senior vice president and re-tail sales manager. Gonzales will oversee the sales and business de-velopment efforts of SANB’s branch network, and will also be involved in consumer and small business product development. Prior to SANB, she served Broadway National Bank in San Antonio as a senior vice president and commercial business develop-ment officer. Before Broadway Bank she was a vice president and branch sales manager for Savings of America, now part of IBC Bank. Alicia Joseph was named assistant vice president and market manager. She will manage SANB’s Binz-Engleman market territory, including business de-velopment and branch operations. She served as a business development of-ficer at Broadway National Bank prior to joining SANB and earlier with Frost National Bank. She has volunteered on the Military Affairs Committee/AUSA, an association of the U.S. Army Q

AllegianceBank Texas Taps Edmundson VP/CLO in Katy

Uechi Joins Amegy Bank in San Antonio as Vice Pres

Retired American National of Amarillo VP Walker DiesFayette H. Walker Jr. died Septem-ber 19 in Dallas. The retired Amarillo banker was born October 4, 1915, in St. Joseph, MO. Walker was working at Citizens Na-tional Bank in Denison when WWII started. He enlisted in the Army and flew B-19s and B-29s until his dis-charge in 1945. Following the war, he joined the bank examination force and also worked at the First National Bank in Madill, OK. In 1952, he began a long career in Am-arillo and continued working there for 29 years. He retired as vice president from American National Bank of Ama-rillo (part of Texas American Banc-shares) in 1980 and moved to Dallas in 1996 Q

Kunde Appointed CFO, Professional Bank, DlsProfessional Bank, Dallas, has ap-pointed Paul W. Kunde chief finan-cial officer. He joins the bank from Town Center Bank in Coppell where he served as senior vice president and cashier since the bank opened in Oc-tober 2004. Kunde is a veteran Dallas-area bank-er who has a background in operations and financial management Q

Ron Uechi has joined Houston-based Amegy Bank of Texas’ commercial lending group as a vice president in San Antonio. Uechi has served 28 years in bank-ing, all in San Antonio. He previously served with JPMorgan Chase and Wells Fargo Bank Q

Gil Edmundson has joined the West Houston/Katy banking group of de novo AllegianceBank Texas, Houston, as vice president and commercial loan officer. He serves at the 21336 Provin-cial Blvd. office in Katy Q

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Mlynski and Sharp Join Premier Bank TexasChristopher Badger, president of Pre-mier Bank Texas, Grapevine, has an-nounced the addition of Christopher V. Mlynski as assistant vice president and commercial loan underwriter and Tammy Sharp as assistant vice presi-dent and loan administration man-ager. Mlynski has over 20 years of com-mercial and real estate lending ex-perience. He holds a BS degree from Northern Illinois University and an MBA degree in business management from The University of Texas. Sharp has over 23 years of bank-ing experience. She will manage loan closings and the loan servicing pro-cesses. Both Mlynski and Sharp will serve at the bank’s Grapvevine Banking Center at 1115 S. Main St. Q

Gonzales

October 6, 2008 BANKERS DIGEST Page �

p e o p l e

Owens Joins First Fidelity as Comm Relationship Manager

Barras Is Chairman, St. Martin Bank and TrustThe board of directors of St. Martin Bancshares Inc. and its wholly-owned subsidiary, St. Martin Bank and Trust Company, St. Martinville, have announced that Emile J. Barras has been elected chairman of the board of both enti-ties. He was elected to the board of directors in 1978. He has been engaged in the heavy equip-ment and farming business since 1962 In addition, the board elevated for-mer board chairman Larry J. Comeaux to chairman emeritus. He started his 51-year banking career with St. Martin Bank and Trust Company on October 26, 1951. He has served as cashier, trust officer, executive vice president, presi-dent, CEO, and chairman of the board. He also served on the board of direc-tors of First National Banker’s Bank in Baton Rouge for 18 years, including a stint as chairman of the board. Comeaux retired as CEO of St. Mar-tin Bank and Trust Company on De-cember 31, 2002, and has since con-tinued as a member of the board of directors Q

First Fidelity Bank Names Burke Relationship Manager

First Fidelity Bank, N.A., Oklahoma City, has named Kenton Owens a commercial relationship manager for the Oklahoma City market. The 13-year banker previously served as a commercial loan officer for Bank of Oklahoma. Owens graduated magna cum laude with a BS degree in business adminis-tration from OSU. He was a member of the OSU Presidential Leadership Coun-cil as well as the Financial Management Association National Honor Society Q

Retired Barnsdall State BankPresident Fowler Dies at 67

Tomlins Named Senior EVP, F&M Bank & TrustThe F&M Bank & Trust Co., Tulsa, has named Neal Tomlins senior executive vice president and general counsel. He previously served as senior vice president and general counsel. Mike McCrory has been promoted to second vice president in personal lending. He previously served as a col-lection manager. Promoted to vice president were: Amy Cavallin, banking officer, and William Shaffer in commercial lending Q

Chase Names Kalvaitis Vice President in Tulsa

oKlAHoMAloUISIANA

ARIZoNA

First Fidelity Bank, N.A., Oklahoma City, has named Sare Burke com-mercial relationship manager for the bank’s Phoenix location at the Bilt-more office at 6232 N. 32nd St. Burke is responsible for the acqui-sition, retention, and expansion of small and commercial business cus-tomers. Prior to joining First Fidelity, she served as a private banking officer for Comerica Bank in CA. Burke, a nine-year banker, received a bachelors degree from Arizona State University Q

JPMorgan Chase Bank, N.A., has named Jennifer Kalvaitis vice presi-dent at the main office on E. 5th St. The 11-year Chase banker previous-ly served as a vice president in Chase’s Detroit office, where she specialized in international financial products in-cluding trade, foreign exchange, and specialty lending programs Q

Robert Lee Fowler, age 67, retired Barnsdall State Bank president/CEO, died September 15. He was born Feb-ruary 2, 1941, in Blackwell, OK. He served with the bank from 1969 until the bank was sold in 2008. He began his banking career in 1964 at the First National Bank of Braman, OK Q

Barras

Page 6 BANKERS DIGEST October 6, 2008

p e o p l e

Arvest Ups Everhart, Meyer, Richard in Private BankingArvest Bank, Little Rock, has an-nounced the promotion of Tonya Everhart to head of the private bank-ing department, and Elizabeth Meyer and Danielle Richard to private bank-ing officers. Larry Choate, chairman and CEO of Arvest Bank Little Rock, made the announcement. Everhart began her career with Arvest in August 2007 as a private banking officer. She previously served as the director of marketing and pub-lic relations for Arkansas State Uni-versity in Mountain Home, where she received a BA degree. She currently serves on the Winthrop P. Rockefeller Cancer Institute Auxiliary. Meyer joined Arvest in September 2007 as a commercial loan officer. She received a BS degree from the Univer-sity of Arkansas at Little Rock. The 13-year banker serves on the Winthrop P. Rockefeller Cancer Institute Auxiliary. Richard joined Arvest in 2004 as retail branch manager and assistant vice president. She now continues to serve as private banking manager and assistant vice president. She received a bachelors degree from Arkansas State University in Jonesboro. Her af-filiations include among many others: North Little Rock Chamber of Com-merce and Next Generation Young Professionals board of directors and director of marketing Q

Retired AR S&L Executive Williams Dies at Age 81Glen L. Williams, of Little Rock, who was prominent in the AR Savings and Loan industry for almost 36 years un-til his retirement in 1991, died Sep-tember 3. He was 81 years old. Williams, a native of Hope and a U.S. Army veteran, graduated from Hendrix College in Conway, in 1950. He then joined J.C. Penney Co. as a management trainee, moved to the Auto Finance Company as a trainee, and later a loan officer before joining First Federal Savings and Loan Com-pany of AR in 1955 as assistant sec-retary. At First Federal he was the first man-ager of the Park Plaza branch office, moving up to vice president. He left First Federal in 1965 to become presi-dent and CEO of United Peoples Sav-ings and Loan, Fort Smith, where he remained for 17 years. He returned to First Federal as division vice president when it merged with United Peoples S& L in 1983. Williams’ leadership in both civic and professional organizations was extensive. He served as a director and president of the Better Business Bu-reau of Arkansas, as a director and president of the Arkansas Savings and Loan League, and as a member and chairman of the board of directors of the Savings and Loan Association of Arkansas Q

ARKANSAS

Bank of the Ozarks Promotes Thorpe to AVP in E&P GroupMatt Thorpe has been promoted to assistant vice president of Bank of

Ozarks’ executive and professional cli-ent group in Little Rock.

N e W S W A T C HMoNeY CeNTeR BANKS

Citigroup to Buy Wachovia Corp Banking OperationsOn September 29, in the latest byprod-uct of the widening financial crisis, Wa-chovia Corp., Charlotte, NC, which had put itself up for sale, was sold to Citi-group Inc., New York, on an open bank basis with assistantce from the FDIC. Citigroup will pay nearly $2 billion to acquire five depository institutions and assume senior and subordinated debt of Wachovia Corp., which will continue to own AG Edwards and Ev-ergreen. Citigroup will absorb up to $42 bil-lion in losses from Wachovia’s $312 bil-lion loan portfolio, with the FDIC cov-ering any remaining losses, the agency reported in a press release. Citigroup will issue $12 billion in preferred stock and warrants to the FDIC. Citigroup said it will seek to sell $10 billion in common stock and reduce its dividend to shore up its capital position. The deal greatly expands Citigroup’s retail banking locations and secures its place among the U.S. banking industry’s Big Three, along with Bank of America Corp. and J.P. Morgan Chase & Co. With the acquisition of Wachovia’s $782 billion in banking assets, Citi-group will reclaim its title as the big-gest U.S. bank by total assets; includ-ing Wachovia, $2.91 trillion in assets as of June 30. Wachovia has been struggling to deal with delinquencies and defaults on ad-justable-rate mortgages which have in-creased rapidly in recent months, caus-ing it to report a $9.11 billion loss in the second quarter. Its problems stem partially from a deteriorating $122 bil-lion loan portfolio it inherited from its purchase of mortgage lender Golden West Financial Corp. in 2006. Wachovia earlier replaced its longtime CEO Ken Thompson and slashed its dividend. The nation’s fourth largest bank-ing company had also begun to slow down its branch expansion. At the end of July, Wachovia had 226 branches in TX, making it one of the top 10 branch networks in the state. It now appears Citigroup will move up in the top 10 in TX without opening a single branch. Question: will it continue to shop its 133-TX branch network? Stay tuned! Q

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October 6, 2008 BANKERS DIGEST Page �

NORTH AMERICAN - CATHY CLE-MENS

N e W S W A T C H TeXAS

Organizers Announce Plan For Customer First BankA group of North Texas investors has filed the paperwork for a de novo bank in Plano, according to an article by Chad Eric Watt, Dallas Business Journal staff writer. The proposed Customer First Bank will target companies with annual sales of $2 million to $5 million, ac-cording to CEO John Pittman. Investors plan to raise $16 million to $20 million for Customer First Bank, which probably won’t open until early 2009, Pittman said. David A. Cook, a bank organizer and mortgage broker by trade, said, “With banks being in trouble, most can’t do loans because they’re not so healthy. As we come out of the chute, we’re going to be all clean and able to do business.” The proposed bank will join 115 bank branches inside the Plano city limits and be the sixth bank actually headquartered in the Dallas suburb. Other proposed officers are Don Flatt president and Fred Zack CFO Q

San Antonio National Bank Reports The Bank of Texas Purchase Agreement and Branch Expansion PlansSan Antonio National Bank (SANB) announced on September 19 that its holding company, Family Bancorp Inc. has entered into a definitive agreement to purchase all the assets of The Bank of Texas, based in Devine. Kenny Koncaba, chairman and president/CEO of San Antonio National Bank, said the bank raised $23 million through an initial private offering in 2007 and then in June 2008 completed another private offering that brought in $11.5 million in capital. The bank has $217 million in assets, $164.8 million in deposits, and $119.9 million in loans. The Bank of Devine has two locations, the original location in Devine, which is on I-35 in Medina County southwest of San Antonio, and a second location in San Antonio at FM 1604 and Bitters Rd. The all-cash deal is subject to nec-essary approvals and is expected to close in the first quarter of 2009. Post acquisition, the combined total assets

of both banks is projected to be $290 million. SANB earlier announced plans to add 13 more locations to its branch network within the next 10 months on the heels of a successful private offer-ing, according to San Antonio Business Journal staffwriter Tamarind Phinisee. Several of the planned branches are slated for San Antonio; two are planned for Laredo, three for the Rio Grande Val-ley, and one in the Houston area. The branches slated for San Antonio will range in size from 2,200 square feet to 4,400 square feet. In November 2006, Family Bancorp purchased First National Bank of Refu-gio which it later used to build out its branch network under the San Antonio National Bank name throughout San Antonio and South TX. Currently, SANB has 103 employees, 10 branches, and 22 ATM locations in South TX under the San Antonio National Bank name Q

Page 8 BANKERS DIGEST October 6, 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

Failed West Virginia Bank’s Deposits Acquired by Two BanksAmeribank Inc., Northfolk, WV, was closed September 19 by the OTS and the FDIC was named receiver. The FDIC entered into purchase and assumption agreements with Pioneer Community Bank Inc., Laeger, WV, and The Citizens Savings Bank, Martins Ferry, OH, to take over all of the depos-its and certain assets of Ameribank. Pioneer Community will assume all de-posits (2% premium) for the five branch-es in WV; Citizens Savings will assume all deposits (1.14% premium) for the three branches in OH. All five branches were to be reopened by September 22. As of June 30, 2008, Ameribank had total assets of $115 million and total deposits of $102 million. The cost of the transactions to the DIF is estimated to be $42 million. Ameribank was the 12th FDIC-in-sured bank to close in 2008 Q

MississippiBRANCHES The OCC has approved an applica-tion by The Citizens National Bank of Meridian for a branch at 6296 Airways Blvd., Southaven.OklahomaBRANCHES The OCC has approved an applica-tion by The City National Bank and Trust Co. of Lawton for a branch at 1425 S. Santa Fe, Ste. A, Edmond. It has received an applicaton by Bank of Oklahoma, N.A., Tulsa, for a branch at 7110 S. Olympia Ave. W., Tulsa.TexasCHARTERS The TEXAS DEPARTMENT OF BANKING has approved the conver-sion of Synder National Bank, Snyder, to a state-bank charter titled Commu-nity Bank of Snyder. It has announced that a charter ap-plication for Liberty Capital Bank, 5055 Keller Springs Rd., Ste. 120, Addison, was effective on September 15. It has approved the conversion of Fidelity Bank, N.A., Plano, to state-bank charter titled Fidelity Bank.

It has received an application for R Bank Texas, Hwy. 620 and Oaklands Dr., Round Rock. Contact is Robert N. Flowers, 214/468-3324. It has announced the conversion of The Bank of Crowley to a state savings bank charter titled Texas Exchange Bank ssb was effective September 15.BRANCHES The TXDB has approved an applica-tion by Bank of the West, El Paso, at 425 Redd Rd., El Paso. It has approved an application by City Bank, Lubbock, 6524 82nd St., Lubbock. It has received an application by Texas Champion Bank, Alice, for a branch at 6124 S. Staples St., Corpus Christi. It has approved applications by In-ternational Bank of Commerce, Laredo, to relocate branches: from 2051 Gattis School Rd. to 1850 Gattis School Rd., Round Rock; from 14610 Huebner Rd. to 8503 NW Military Hwy. and from 20760 US Hwy. 281 N. to 20935 US Hwy. 281 N, San Antonio; received applica-tions to relocate branches: from 1804 E. 1st St. to 3108 E. 1st St., Chandler, OK; 3601 NW 63rd St. to 3817 NW Exwy., Oklahoma City; received applications for branches: 9710 Katy Fwy., Houston; and 2311 N. Hwy. 81, Duncan, OK. It has approved an application by Bank of the West, Grapevine, to re-locate a branch from 2111 W. Airport Fwy. to 2400 W. Irving Blvd., Irving.

It has approved an application by Guar-anty Bond Bank, Mount Pleasant, for a branch at 210 S. Main St., Winnsboro. It has approved an application by Memorial City Bank, Houston, for a branch at 10097 Katy Fwy., Houston. It has received an application by Crosby State Bank for a branch at 24900 FM 2100, Huffman. It has approved an application by Southwest Bank, Fort Worth, for a branch at 3707 Camp Bowie, Fort Worth. It has approved an application by Independent Bank, McKinney, to relo-cate a branch from 101 S. Powell Pkwy. to 1427 W. White St., both in Anna. It has received an application by The First State Bank, Louise, to relocate a branch from 727 N. Alabama to 505 E. Boling Hwy., Wharton. It has received an application by Comerica Bank, Dallas, to relocate a branch from 8612 Preston Rd. to 8208 Preston Rd., Dallas. It has received an application by Legacy Texas Bank, Plano, for a branch at 4601 West Freeway, Fort Worth. It has approved an application by First Bank & Trust East Texas, Diboll, for a branch at 412 E. Lacy, Palestine.MERGERS AND ACQUISITIONS The TXDB has received an applica-tion by Bank of the West, Grapevine, to merge affiliate The Bank of Vernon, Ver-non, with and into Bank of the West Q

October 6, 2008 BANKERS DIGEST Page �

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Positions available

DALLAS NETWORK ADMINISTRA-TOR for community bank with 5+ years experience, well rounded, jack of all trades. Great opportunity. Sha-ron Emiliano, Babich & Associates, Sharon@babich.com, 214/823-9999, #306, www.babich.com (see banking).

HOUSTON COMMERCIAL LENDER with relationships in community. Great opportunity for ownership for right lender. Send resume confi-dentially to Sharon Emiliano, Babich & Associates, Sharon@babich.com, 214/823-9999, #306, www.babich.com. (see banking).

CENTRAL TEXAS COMMERCIAL LENDER needed with 10+ years in similar position willing to relocate and bring expertise to grow bank.

recruiting and Placement servicesfor Banking Positions at all Levels

For additional information, please contact

DAVID FARMER

817/877-4120817/877-3846 Faxdfarmer@whitneysmithco.com

Visit our homepage to see a current listing of recruitment opportunities:www.whitneysmithco.com

THE WHITNEY SMITH COMPANY, INC.Human Resources Consulting

301 Commerce Street, Suite 1950Fort Worth, Texas 76102

817/877-0014

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Page 10 BANKERS DIGEST October 6, 2008

C l A S S I F I e D Sharon Emiliano, Babich & Associ-ates, 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 5+ years 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. Excellent growth opportunity with outstanding salary and bonus program. Harvey Urban, Babich & Associates, hurban@bab ich.com 817-336-7261, #304.

OKLAHOMA EVP/SENIOR LENDER with 5+ years commercial experi-ence plus strong business develop-ment skills. Great opportunity with

a growing organization in a small town! Harvey Urban, Babich & As-sociates, hurban@babich.com 817-336-7261, #304.

SHREVEPORT LOUISIANA COM-MERCIAL LENDER! Need solid experience including ag. Resume to Jon Davis, Babich & Associates, 214/823-9999, jdavis@babich.com, www.babich.com (Banking).

WANT TO WORK IN COLORADO? I can help you find a great situa-tion. Resume to Jon Davis, Babich & Associates, 214/823-9999, jda-vis@babich.com, www.babich.com (Banking).

OKLAHOMA COMMERCIAL LENDERS. I can help you find a better situation. Resume to Jon Davis, Babich & Asso-ciates, 214/823-9999, jdavis@babich.com, www.babich.com (Banking).

The leading Staffing Firm for Financial Institutions in the Southwest since 1981

• We provide qualified professionals on a Direct hire, Contract or Temporary basis.• We understand your needs, both Operations and Lending.• A complete line of pre-employment screening products.• “REAL” Background Checks on all your new hires.

For additional information, please visit our website: www.fpstaff.netContact Ron Ray, ronray@fpstaff.net • 972/991-8999

Financial Professionals

First National Bank of Baird has an immediate opening in its Abilene office. Experience in all phases of commercial lending with a concentration in com-mercial real estate needed. In addition, must be experienced in small business loans and light consumer lending. Five to ten years experience, formal credit training, or degree in re-lated field desired, management experience a real plus.

Competitive salary (DOE)and benefits; opportunity

for advancement

Please send resume and salary requirements to:

First National Bank of BairdPO Box 3757

Abilene, Texas 79604Attention Human Resources

or email same toscottyl@fnbbaird.com

Career Opportunity

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October 6, 2008 BANKERS DIGEST Page 11

man 972-335-1200 Kyle@thevan-zantgroup.com. www.thevanzant-group.com.

Market President Denton County $2 Billion regional bank manage three locations. Heavy community involvement and lending/manage-ment background. Contact Paul VanZant 972-335-1200 Paul@the-vanzantgroup.com www.thevanz-antgroup.com.

Senior Private Bank Real Estate Officer – Bank of Texas – Lincoln Park: Responsible for managing, maintaining, enhancing, acquir-ing and disposing of real property held in trusts and estates of high net worth clients. The real prop-erty will consist of a variety of as-set types including commercial, industrial, raw land, and residen-tial properties. Reviews accounts for compliance with internal poli-cies and procedure, federal regu-lations, local laws, and governing documents. Works with internal and external professionals to meet client’s requirements, including tax, legal and investment goals and objectives. Resume to: bbrinson@bokf.com.

WANTED: Internal Auditor for 1st International Bank, Plano. Candi-date must possess a minimum of two years auditing experience with all aspects of a financial institution. A financial/accounting degree with certifications such as CIA, CPA and compliance knowledge helpful. 1st International Bank is a well rat-ed bank with 12 branches in Texas and Nevada and offers excellent benefits. Please send resumes to human.resources@fibtx.com.

WANTED: Internal Auditor for 1st International Bank, Plano. Candi-

COMMUNITY BANKER, TEXAS: Great small-town atmosphere, good schools, solid team needs light-com-mercial, consumer, real estate lend-er. Mark Mitchell, Lone Star Search, 972-335-9009, www.lonestarsearch.net.

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.

National Bank of Commerce in Pampa has an immediate open-ing for an EXPERIENCED LENDER. Experience in all phases of lend-ing desired. Competitve salary and benefits available. Send resume to National Bank of Commerce, P.O. Box 2750, Pampa, TX 79066-2750.

Southeast Houston Area Bank has a position available for an individual who has management experience in a bank’s NOTE DEPARTMENT. This individual will be assisting the current department manager and needs to be capable of assuming the department manager position at some point in the future. Resume to Tom Watson, Tom@TexasCiti-zensBank.com, 713/823-3900.

CENTRAL TEXAS COMMUNITY BANK SEEKS A LENDER with at least 5 years experience in com-mercial and commercial real estate loans to serve as #2 branch lender in a growing market. Some Ag expe-rience a plus and Spanish speaking desirable but not required. Strong lending support provided. Applicant needs ability to self start and devel-op new business relationships. Sala-ry based on experience with benefits package. Respond to Attn: Box S-2, bankersdigest@bankersdigest.com.

COMMUNITY BANK IN NORTH TEX-AS SEEKS LENDING OFFICER with commercial/real estate/consumer experience. Candidate should have minimum of 5 years experience.

Send resume to Attn: Box S-3, bank-ersdigest@bankersdigest.com.

Bank of Texas, NA seeks SPECIAL ASSETS MANAGER to be respon-sible for management of the most complex troubled commercial loans, to better secure them with collateral, equity, or other assets of the borrower. Other activities designed to preserve the loan prin-cipal, gather interest as possible, and prevent the loan from being charged off. Manage other real estate and assets owned by the bank. Send resume to: bbrinson@bokf.com.

First Bank & Trust Co. has an imme-diate opening for a CREDIT ANALY-SIS MANAGER. Bachelor’s Degree in Accounting or Finance with previ-ous banking or related experience required. Strong management and supervisory skills. Full time posi-tion. Apply in person at First Bank & Trust Co., 923 West Main Street Duncan, OK 73533 or send resume to Human Resources, P.O. Box 580, Duncan, OK 73534.

First United Bank Lubbock is seek-ing an AG LENDER. 3-5 years of Ag lending experience required. We offer a competitive salary & a great benefits package. For confidential consideration, please send resume & salary requirements to: First Unit-ed Bank HR Dept, PO Box 16500, Lubbock, TX 79490.

BRANCH MANAGER/VICE PRESI-DENT for a successful, growth ori-ented bank in the Brazosport area. Excellent opportunity for a banker with strong lending and business development skills. Must have an entrepreneurial spirit and operate the branch like an independent community bank. Lone Star Bank, S.S.B. Contact David Kapavik at 361-596-4611 or e-mail David@lon-estarbank.com.

DFW SR Commercial Lender/Group Manager $11 Billion regional bank requires C&I background, large bank experience , in market relationships. Contact Kyle Whis-

Your employment ad could appear here!

$35 for 25 words. See details on Page 9 or on our website at www.bankersdigest.com

C l A S S I F I e D

Page 12 BANKERS DIGEST October 6, 2008

ADDRESS CHANGE - When writing to us about your subscription, enclose the address label from your copy of Bankers Digest. You can also change your address at www.bank-ersdigest.com under subscriptions.

Bankers Digest9550 Forest Lane, Suite 125Dallas, Texas 75243-5928(USPS 041180)

PERIODICAL

date must possess a minimum of two years auditing experience with all aspects of a financial institution. A financial/accounting degree with certifications such as CIA, CPA and compliance knowledge helpful. 1st International Bank is a well rat-ed bank with 12 branches in Texas and Nevada and offers excellent benefits. Please send resumes to human.resources@fibtx.com.

EXPERIENCED TELLER SUPERVI-SOR POSITION OPEN. Please send resume to The Bank o f San Jacinto County, P.O. Box 100, Coldspring, Texas 77331. For more informa-tion, please contact 936-653-4395.

WANTED: Internal auditor for 1st International Bank, Plano. Candi-date must possess a minimum of two years auditing experience with all aspects of a financial institution. A financial/accounting degree with certifications such as CIA, CPA, and compliance knowledge helpful. 1st International Bank is a well rated bank with 12 branches in Texas and Nevada and offers excellent benefits. Please send resume to human.resources@fibtx.com.

equiPMent

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.

Your equipment ad could appear here! $35 for 25 words.

See details on Page 9 or visit our website

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DALLAS OFFICE5323 Spring Valley Rd, Ste.120Dallas, Texas 75254

1.866.716.9920www.phaseonebuilders.com

AUSTIN OFFICEHill Country Galleria

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Providence Bank - Southlake, Texas

BANK BUILDING SPECIALISTS