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.

Amanda Hollingsworth serves as our Assistant Vice President of Accounting/Loan Review. Amanda is a graduate of Brevard High School and has a Bachelors Degree in Accounting from Western Carolina University. Amanda is involved with several community activities including the Highlands Community Child Development Center, Rabun County Middle School mentor program, and the Rabun County Relay for Life. Amanda is a member of Pine Grove Baptist Church in Franklin, North Carolina. She and her husband, Nathaniel, live in Dillard, 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.

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.

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.

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.

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 and her husband Keith have two children. They reside in a place they call “God’s Country” better known as Dillard, Georgia.

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 initial public offering and the eventual 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, mergers and acquisitions, 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 active in the community, serving on the Boards of Fight Abuse in the Home (F.A.I.T.H.) and Boggs Mountain Humane Shelter.  He is former President of the Clayton Rotary Club and Treasurer of the Rabun County Convention and Visitors Bureau.  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.

Stacy is the Branch Manager of our Dillard location and joined us from Regions Bank in Dillard in 2010. Stacy worked her way up through the ranks as a Teller, Customer Service, Commercial Lending Assistant, Mortgage Lender and Assistant Branch Manager. Stacy is a native of Central Florida and moved to Franklin, NC in 2000. Stacy is a member of Prentiss Church of God. Stacy and her husband David own and manage two convenience stores in Franklin, Big D and Cowee Convenience & Deli. Stacy and her husband, David, reside in Franklin and have three children, one son serving in the military and two daughters still at home. Stacy is involved in many community activities including Church, her children’s schools, and Relay for Life.