Jim has a business degree from Georgia Southwestern College. He has been involved in the management of various manufacturing facilities for the last 22 years. He is currently a production manager for National Textiles. Jim was involved with the local recreation department where he spent 10 years coaching baseball and basketball. He is a member of the First United Methodist Church in Clayton, Georgia and a member of the Rabun Medical Foundation. Jim resides in Rabun Gap with his wife, Becky, and their three children.

Bill serves as a board member and chairman of Mirant Corporation. He was named “Man of the Year” in 1994 by Georgia Trend Magazine and “Georgia’s Most Respected CEO” in 1996. He received the King Center’s “Salute to Greatness” award in 1997. It’s a long way to have progressed from being a meter installer at Georgia Power, Dahlberg’s first position with Southern Company, which he joined in 1960. Dahlberg worked his way through the organization while attending college. He gained a BS in Business Administration from Georgia State University in 1970. Throughout his career, Dahlberg held positions at Southern Company in several areas, including customer accounting and corporate finance, before being named vice-president of financial services. He also served as vice-president of bulk power resources and senior vice-president of marketing at Georgia Power and as the senior vice president of Southern Company Services responsible for marketing, rates, and governmental affairs. He became president and chief executive officer of Southern Company Services in 1985, and returned to Georgia Power three years later as president and chief executive officer. Dahlberg became president, chief executive officer and chairman of Southern Company in 1994. In his spare time Dahlberg enjoys many activities, primary of which includes playing with his six grandchildren.

Kay was the owner of Kay Designs Custom Interiors until she retired in 1997. Her family owns and operates Duvall Ford Company in Clayton, Georgia. She is a graduate of Rabun County High School and the University of Georgia. Kay has been involved in many organizations in Rabun County, some of which include Clayton Rotary, Chamber of Commerce, Heart Association and Clayton United Methodist Women. Kay, a member of Clayton United Methodist Church, lives with her husband, Stanley, in Rabun Gap, Georgia.

Neal Davies is our Chief Credit Officer who came to us 2 ½ years ago with a professional history of 39 years in banking. Neal retired from Bank of America in 1996 after spending 28 years there and with a predecessor bank, The C&S National Bank. Half of his early banking career was spent in consumer banking and the latter half in commercial banking. He then spent six years working for The First National Bank of Cherokee in Woodstock, GA as Chief Credit Officer before beginning his own consulting business. Neal is a graduate of the University of Georgia, Terry College of Business where he also did his post-graduate work. He attended the National School of Credit and Financial Management at the Tuck Business School at Dartmouth College. He is an active Presbyterian Elder and he and his wife have a home in Tiger, GA.

Danny has owned Gillespie Cabinet Shop in Mountain City, Georgia since 1982. He is a graduate of Rabun County High School and North Georgia Technical College. Danny served on the Clayton City Council for six years before being elected Mayor of Clayton in 2001. He is a member of the St. James Episcopal Church, where he serves on the building and grounds committee. He is a member of the Lions Club and serves as 2nd Vice President of the North Georgia Advisory Council to the Georgia Municipal Association. Danny lives in Clayton, Georgia.

Jim serves as Senior Vice President and Senior Operations Officer of the Bank. He began his banking career in 1963 at Trust Company of Georgia in Atlanta. In 1966 he was employed by American National Bank in Chattanooga, Tennessee as Assistant Vice President, Computer Operations. In 1972, he joined First National Bancorp, Gainesville, Georgia, where he was Group Vice President and Director of the Management Information Services Division. In 1991, Jim joined United Community Banks, Inc. where he served as Vice President of Bank Operations and Technology until December 2001. Most recently Jim was employed at Rabun County Bank in Clayton, Georgia as Executive Vice President, Bank Operations and Technology. Jim graduated from Franklin County High School and attended Georgia State University and the University of Tennessee. Jim is a member of Clayton Baptist Church and a past member of the Blairsville Kiwanis Club. He and his wife Dottie reside in Clayton, Georgia.

J. Russell Ivie, Sr. is a native of Clayton. He graduated from Rabun County High School in 1954 and attended Georgia Tech graduating in 1958 with a B.S. in Industrial Management. Mr. Ivie is also a graduate of the Georgia School of Banking and The School of Banking of the South at Louisiana State University. His banking career began as a Bank Examiner with the Federal Deposit Insurance Corporation. He returned to Clayton in 1963 and was V.P. & Cashier with Bank of Clayton until 1967. He joined Bank of Dahlonega in Dahlonega, Georgia, and in 1969 was promoted to President. Bank of Dahlonega grew into Century South Bank of which he was serving as chairman of the board when the company was sold to BB&T in 2002. Mr. Ivie is active in various organizations including: former member of the board of Camp Glisson in Dahlonega, Board of Foundation of North Georgia State College and University, Advisory Director of BB&T in Dahlonega, Board of Directors of Security Bank of North Metro in Woodstock, Georgia and Board of North Georgia Community Foundation and various committees at Georgia Tech. He is married to Stella Curry of Auburn, Alabama, and they have three grown children. Mr. and Mrs. Ivie are members at Clayton First United Methodist Church, Kingwood Country Club and Atlanta Athletic Club. They split their time between two homes in Rabun County, one in Clayton and the other on Lake Burton.

Kathleen enjoyed a 25-year career with IBM, where she was a Partner with the IBM consulting group, having retired in 2001. She specialized in creating strategies and plans that ensure the strategic use of information technology in today’s business world. Kathleen’s professional experience covered a wide range of fields including manufacturing, petroleum, consumer goods, and state government. Kathleen received her undergraduate degree from the University of Texas-El Paso and an MBA from Emory University. Currently she serves on the Board of Directors of the YWCA of greater Atlanta. Kathleen lives with her husband, Kirk, in Lakemont, Georgia.

Bob has been President of Golden Point Group, Inc., a company that invests in small businesses since 1994. He retired in 1994 from First Union in Decatur, Georgia (formerly Decatur Federal) where he served as Chairman of the Board and CEO. He joined Decatur Federal in 1969. Bob is a graduate of the University of Tennessee and the University of Indiana Graduate School of Savings and Loans. After retirement from banking he served as Interim President and CEO of the Fernbank Museum in Atlanta. Currently, he serves on the boards of Cotton States Insurance, Piedmont Community Bank, United Commercial Bank, Integrated Solutions Group, and Greater Atlanta Christian School. A Deacon of the Campus Church of Christ in Atlanta, Bob and his wife, Judy, split their time between their homes in Atlanta and Rabun County.

Breck serves as Senior Vice President and Senior Loan Officer for the Bank. Breck served as a Vice President of lending with Regions Bank (formerly Bank of Clayton) in Clayton, Georgia from 1991 until he joined the Bank’s organizing entity. He was manager of loan production offices in Highlands and Cashiers, North Carolina for the bank. Breck is a graduate of Rabun County High School and Piedmont College. He serves on the state advisory school council for Rabun Gap Community School. He is actively involved with the Rabun County Recreation Department and local Little League Association. Breck is also a member of Betty’s Creek Baptist Church, where he serves as the Treasurer for all Sunday School classes. Breck is a resident of Rabun Gap, Georgia where he lives with his wife, Lisa, and their two children.

Ed has been in the real-estate development business since 1969. He is the owner of Century 21 and Coldwell Banker in Rabun County. Formerly, Ed has served on the boards of The Bank of Clayton, First National Bank, and Regions Bank. Currently, he serves on the Rabun Gap Nacoochee School Board of Visitors and is a member of the local Rotary Club. Ed lives in Clayton, Georgia with his wife, Mary-George.

Jerry serves as Senior Vice President of Consumer Lending and Loan Officer. Jerry served as Vice President of Regions Bank (formerly Bank of Clayton) where he worked from 1974 until he joined the Bank’s organizing entity. He has worked in all areas of banking, some of which included auditing, branch management, and lending. Jerry is a graduate of Franklin High School in Macon County, North Carolina, The Georgia Bankers Association Audit School, and The Georgia Banking Association Banking School. Jerry is a member of Newman Chapel Baptist Church where he serves as Chairman of the Board of Deacons and Finance Committee. Jerry is a resident of Franklin, North Carolina, where he lives with his wife, Diane.

A native of Rabun County, Vaughn has been employed since 1987 by his family-owned business, Reeves Hardware Company. He manages the Dillard, Georgia location. Vaughn is a graduate of Rabun County High School and the University of Georgia. He is actively involved with the local Masonic Lodge and the Clayton Rotary Club, of which he is a past President. Vaughn is a member of the Clayton Methodist Church, where he serves as Chairman of the Administrative Council. Vaughn is a resident of Clayton, Georgia, where he lives with his wife, Kim, and their two children.

Howie is a graduate of Franklin High School and the University of Georgia College of Pharmacy. He has worked with United Pharmacy Services in Toccoa, Georgia for the last four years. Previously he was with CVS in Clayton for 13 years where he was the Pharmacy Manager and Assistant Store Manager. A member of Clayton Baptist Church, he is actively involved with the Youth Ministry Council, and is a Youth Sunday School Teacher. Howie is a resident of Clayton, Georgia where he lives with his wife, Kathy and their daughter.

Theresa is our Vice President of Retail Banking. Theresa started her banking career at Macon Bank in Franklin NC in 1986 as a teller. Since that time she has worked in all areas of banking including Head Teller, Customer Service, Lending, Compliance, and Training & Development. Theresa is a graduate of Rabun County High School and the North Carolina Bankers Association Banking School in Chapel Hill, NC. Theresa is actively involved with various community activities including Church, Leadership Rabun, the March of Dimes, Relay for Life, Mentoring and the Kiwanis Club. Theresa lives in Dillard.

Jim is President and Chief Executive Officer of the Bank. He began his banking career in 1986 when he became Executive Vice President and Chief Financial Officer of Decatur Federal in Decatur, Georgia. Jim directed all activities surrounding the 1993 merger with First Union Corporation as Chairman of the Merger Management Task Force. In 1995, he joined Provident Bancshares Corporation in Baltimore, Maryland as Executive Vice President-Chief Financial Officer and Treasurer. He led a team charged with managing finance, treasury, internal audit, legal, compliance, tax and human resources. His early career included 15 years with KPMG Peat Marwick, where he was elected partner in 1981. Jim is currently active in the community serving as President-elect of the Clayton Rotary Club and Treasurer of the Rabun County Convention and Visitors Bureau. He is active on the Boggs Mountain Humane Shelter Advisory Board and is a member of St. James Episcopal Church. He is a CPA, a graduate of Mississippi State University and the University Of Texas Graduate School Of Community Banking. Jim lives in Clayton with his wife, Lynn.

Biff has a Master’s Degree in Industrial Management from Georgia Tech. From 1974 until retirement in 1999, he served in various senior management capacities including Chief Operating Officer and Vice President of Administration for Allied Holdings, Inc. He also served as president or chairman of several subsidiary companies including Haul Insurance, Ltd., Haul Risk Management Services, and Axis. Biff serves on a number of boards including DeKalb Medical Center, Inc. and Allied Holding, Inc. He is Chairman of Rabun Medical Foundation, President of the Clayton Rotary Club, and Chairman of the Finance Committee for Clayton Baptist Church. Biff is also actively involved in the Burton Homeowners Association. Biff lives in Clayton with his wife, Beverly.