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

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

Boris Dover
President/COO
First Community Bank
Batesville,AR

Aubrey Earnheart
Commercial Sales Manager
Regions Bank
Memphis,TN

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

John T. Hampton
Chairman/CEO
FirstWestern Bank
Booneville, AR

Norman Harty
Chairman/President/CEO
Gideon Bancshares Co.
Dexter,MO

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

Gene Henson
President North Region
Trustmark National Bank
Germantown,TN

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

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

Chip Knight
Executive Vice President
First Tennessee Bank
Memphis,TN

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
Chairman/President/CEO
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

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

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

Frank J. Nichols
Chairman/CEO
Community Financial Services Bank
Benton, KY

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

Jerry Sage
Executive Director
Missouri Independent Bankers Assn.
Liberty, MO

Joshua A. Shipley
Vice President
Independent Bank
Memphis,TN

Jerry T. Sims
Chairman/CEO
First National Bank
Blytheville,AR

Ray Skinner
Executive Vice President
American Savings Bank
Honolulu, HI

Bethany L. Smith
Bethany L. Smith Marketing Services
Memphis,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
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

Neal Wimberley
Credit Officer
AgHeritage Farm Credit Services
Little Rock,AR

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

Regents Emeriti

M. E. Bond
Germantown,TN

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

Forrest N. Jenkins
Marion, AR

P. Michael Murphy
Chairman/President/CEO
Fidelity National Bank
West Memphis, AR

Frank W. Oldham, Jr.
Boerne, TX

Kenneth W. Plunk
Germantown,TN

Tom A. Wright
Destin, FL

Independent Accountants:
Reynolds, Bone & Griesbeck PLC