Page � BANKERS DIGEST December �1, �009

Bankers Digest®

Established 1942A Weekly Bank News Magazine

(USPS 041180)Published every Monday at Dallas, Texas

Copyright 2009 Bankers Digest®

BONNIE JAMISON BLACKMAN, Publisher/EditorR. GILBERT BLACKMAN JR., Managing Editor

9550 Forest Lane, Suite 125Dallas, Texas 75243-5928

Phone 214/221-4544Fax 214/221-4546

E-mail: bankersdigest@bankersdigest.comwebsite: www.bankersdigest.com

Print subscription rate:One year $37.00, single copy $1.00

Opinions expressed by columnists and writ-ers of bylined articles are not necessarily

those of Bankers Digest. Editorial guidelines may be obtained upon request. Articles and photos may be submitted to above address

or sent via e-mail.Periodical postage paid at Dallas, Texas

POSTMASTER: Send address changes to Bankers Digest®, 9550 Forest Lane, Suite 125,

Dallas, Texas 75243-5928.

p e o p l e TeXAS

Stieben Named EVP/CFO & COO, Scott Mabrey EVP/Tulsa President, John Mabrey Sr EVP/CAO

Nurdin Named CEO, Bank of Texas, Ft Worth

Citizens Security Bank & Trust Co., Bixby, OK, has announced recent pro-

motions. Brad C. Stieben, CPA, has been promoted to executive vice president, CFO & COO. He has over 20 years of expe-rience in finance,

operations and au-diting. His duties

include management and oversight of the finance, accounting, operations, human resources, compliance, and customer service areas of the bank. He began his professional career in 1989 with the accounting firm of PriceWa-terHouseCoopers (formerly Coopers & Lybrand, LLP). Prior to joining Citi-zens in 2007, he served as CFO and SVP of InterBank with various loca-tions in western OK. Scott Mabrey was recently pro-moted to executive vice president and president of Tulsa Metropolitan re-gion. Mabrey has served with the bank since 1991, most recently as a senior vice president in lending. He received a juris doctorate degree from the Uni-

Stieben

Norm Bagwell, chairman/CEO, and Mark B. Wade, president/COO, Bank of

Texas, N.A., Dallas, jointly announced the appointment of Mark Nurdin to CEO of the Fort Worth region. Nur-din will partner with Fort Worth region chairman Bob Semple and Fort Worth region

president Charlie Powell on the ex-ecutive team and report directly to Wade. Nurdin will serve at the Cherry St. location at Burnet Plaza. A 25-year banker who holds a BBA de-gree from Texas Tech University, Nurdin’s financial services background includes commercial and corporate banking and wealth management. He has served with other Fort Worth institutions such as Wells Fargo Bank, Banc One Leasing Corp., and Bank One Texas. Nurdin serves on the board of the Fort Worth Chamber, the advisory board for the Salvation Army, and on the executive committee, finance com-mittee, and the board of the Fort Worth Symphony Orchestra Association Q

versity of Oklahoma College of Law in 1998 and is a member of the Bixby

Optimist Club, Oklahoma Bar Association, Citi-zens Security Bank board of directors, and Mabrey Ban-corporation board of directors. John M. Ma-brey was recently promoted to se-

nior executive vice president and chief administra-tive officer. Ma-brey, a graduate of the University of Oklahoma, serves as a member on the boards of di-rectors for Citizens Security Bank and Morris State Bank. He also serves on the board of advi-

sors for the National Trust for Histor-ic Preservation, board of directors for Oklahoma Historical Society, and as a board member for the Tulsa Foun-dation for Architecture Q

Scott Mabrey

J.M. Mabrey

Nurdin

oKlAHoMA

December �1, �009 BANKERS DIGEST Page �

F e A T U R e

ByAnthony Beshara, Ph. D.,

President of Babich & Associatesand Stephen Key, founding

partner of The Key Firm, PC Dallas, Texas

www.babich.com

(continued on Page 9)

HUMAN RESOURCESGiving References

B D

FEATURE

This is about the most par-adoxical is-sue managers deal with. On the one hand, we want to be

so careful about checking references of potential employees, of getting at the truth, of finding out from the previous managers everything we need to know about why we should or shouldn’t hire an individual. We want to be so careful and diligent about our investigation, we will go to extreme measures to get information. On the other hand, we’re so afraid

of litigation by previous employees if we give them a poor reference; we say absolutely nothing when we’re asked for a reference by a potential employer. Our human resources departments, in an effort to empire build, will tell us that we can’t say anything and all in-quiries must go to them. Kinda sad, isn’t it? We want people to be open and honest with us about their previous employees that we are thinking of hiring, but we are not will-ing to give any helpful information when the shoe is on the other foot. A number of years ago, I checked a reference of a potential employee that I was trying to hire for our staff. I spoke to the previous immediate supervisor of the candidate. She told me that the candidate was a bit of a “partier.” Well, since I had been a rugby player for more than 20 years, a candidate hav-ing fun at parties didn’t seem to be a big deal. However, it turned out that the fellow was an alcoholic. It was really sad. It took me six weeks to figure out why he was ab-sent most every Monday, why his wife

would call the office looking for him, why he looked awful on most morn-ings, and why he fell asleep at his desk a few times. After I fired him, I called the previous manager that I had checked the reference with and asked her why she didn’t tell me the guy was an alcoholic. She said, “Well, I tried to tell you. Couldn’t you read between the lines? I was afraid to tell you he was an alcoholic for fear that he would sue me for libel.” Part of our problem in giving refer-ences is that we have so many other business challenges, it is simply eas-ier not to give a reference or to gloss over any negatives. If the ex-employee was a good one, we have no problem in offering a positive reference. But, it is a real conundrum if the previ-ous employee was a poor one. We are fearful that if we tell the truth about a poor ex-employee and it somehow stands in the way of his or her getting a new job, we will be held liable, and they might sue. And, even if it is frivo-lous, it’s going to cost time, effort, and

We Are a Community Bank Builder

FOR A FREE CONSULTATION ORFOR MORE INFORMATION

Planning, Design, Architecture, Engineering,Interior Design & Construction of your new or remodeled facility

FINANCIAL DESIGN & CONSTRUCTION INC.8330 Meadow Rd. Suite 200

Dallas, Texas 75231 CALL JOE BERRYat1-888-432-5921 Ext. 86

jberry8@sbcglobal.netwww.fdcinc.biz

Page � BANKERS DIGEST December �1, �009

Texas Capital Bank, N.A., Dallas, has announced the ap-pointment of John E. McKemie to se-nior vice president in Houston. McKemie is re-sponsible for trea-sury and liquidity

p e o p l e TeXAS

Gunn, Murray Honored By Tarrant Co Bankerssolutions sales and 1031 exchanges

with specialized industry groups. Pri-or to joining Texas Capital, he served with Guaranty Bank in Houston where he handled treasury management sales for all of the bank’s energy and commercial divisions. McKemie received bachelors and masters degrees from Texas A&M Uni-versity Q

McKemie Named Senior VP at Texas Capital Bank

McKemie

F. S. (Ben) Gunn and James (Jim) Murray, two retired Fort Worth bank-ers who founded Summit National Bank which merged with Frost Na-tional Bank in 2006, were recently in-ducted as Outstanding Bankers of the Year by the Tarrant County Bankers Association. After long careers with Continental National Bank of Fort Worth, Gunn

and Murray organized a charter to form Summit in 1975. Over the next 30 years, the bank grew to $1.2 billion with 12 branches and became publicly traded on NASDAQ in 1993. The bank was sold to Cullen/Frost Bankers Inc. in 2006 for $450 million. Gunn, a native of Longview, began working at Continental in the postal department while attending TCU. He served in the U.S. Army during the Ko-rean War. He returned to Continental, rising to executive vice president/op-erations, until he left to form Summit. He served as vice chairman of Summit and Summit Bancshares until his re-tirement in 1997. Gunn served on var-ious boards, including the Food Bank and United Way. Murray is a Fort Worth native and graduate of TCU. After a 23-year career with Continental, he co-founded Sum-mit. Murray was president until 1985 and served as chairman of the board until his retirement in 1997. He is a past-president of the Fort Worth Bal-let Association, former vice president of the Arts Council of Fort Worth, and a former chairman and current board member of Young Life of Fort Worth. He has served on the boards of many other organizations Q

Ben Gunn and Jim Murray

December �1, �009 BANKERS DIGEST Page �

p e o p l e TeXAS

Bratton Is Pres/CEO, ViewPoint Bankers MortgageCalderon, Williamson Monaghan Promoted Capital One Bank, McClean, VA, has announced the promotion of Jorge Calderon, Mikel Williamson, and Dave Monaghan to market presidents for the Dallas/Fort Worth region. Calderon has been named Dal-las market presi-dent. He previous-ly served with Frost National Bank in Dallas and earlier with JPMorgan Chase Bank, also in Dallas. He is a graduate of Pennsyl-vania State Uni-versity and earned an MBA degree from the Univer-sity of Dallas. He is treasurer of the Hispanic Bankers Association and a board member of the Greater Dallas Hispanic Chamber of Commerce. Williamson is the new Plano/Col-lin County market president. He has served with Capital One since 2006 and was formerly with JPMorgan Chase and earlier with Bank of America. He earned a BBA degree in strategic management from the University of North Texas. Monaghan is the new Fort Worth market president. He formerly served with JPMorgan Chase Bank and as sales marketing manager at Falls Dis-tributing. He attended the Hankamer School of Business at Baylor Universi-ty and Midwestern State University Q

ViewPoint Bank, Plano, has appointed long-time Dallas mortgage banker Ed Bratton president and CEO of its mortgage subsidiary, ViewPoint Bank-ers Mortgage. Bratton has more than 25 years of North TX mortgage banking ex-pertise. He joins ViewPoint Bankers Mortgage after serving more than 20 years at Chase Mortgage, where he

Calderon

Williamson

Monaghan

Bratton

JoinYour Fellow DirectorsTHE AGENDA:

• What’s Ahead for the Post-Recession Economy• What Drives Bank and BranchValues NOW• Interest Rate & Liquidity Risk in Today’s Environment• Current Balance Sheet Strategies• Steps to Take Now to Improve CRE Portfolios

TO REGISTER, CONTACT:

(214) 768-2991abd@swgsb.org

www.swgsb.org/directors

For more than four decades, the Assemblies for Bank Directorshas been the national leader in bank director education,serving boards across America.

“I have personally attended theseAssemblies for over 20years. Our bank requires each director to attend at leastone each year, as part of the continuing educationprocess. The programs are better than ever.”

Denny Smith, ChairmanFirst National Bank & Trust Co., Mountain Home, AR

Strategic Visioning in aDeleveraged Industry 130th

AssemblyforBankDirectorsTHE

NATIO

N’S

MOST

TRUSTED

SOURCE

FOR

BANK

DIR

ECTOR

EDUCATIO

N

At the Ritz-Carlton Laguna NiguelDana Point, CaliforniaFebruary 4-7, 2010

Presented by

418919 SMU:Layout 1 12/9/09 12:49 PM Page 1

was regional vice president for TX and other western states. A graduate of Baylor University, Bratton is a past president of the Dal-las Mortgage Bank-ers Association Q

Your bank’s promotions or new hire news

could appear here! See details on Page 2.

Page � BANKERS DIGEST December �1, �009

Alamogordo banker Pete Cook has been re-elected to the Federal Re-serve Bank of Dal-las board of direc-tors by its member banks. He will serve a three-year term beginning January 1, 2010. Cook is presi-dent/CEO of First National Bank in Alamogordo. He served as the bank’s senior vice presi-dent from 1987 to 1991. Previously, he was a senior vice president for United New Mexico Bank and First National Bank of Lea County, both of Hobbs. He also served on the board of the Dallas Fed’s El Paso Branch. He serves on the boards of the Otero Economic Development Coun-cil, Alamogordo Foundation, and Al-amogordo Committee of Fifty. Cook is a graduate of the SWGSB at SMU Q

p e o p l e

FNB Alamogordo CEO Cook Re-elected to Dallas Fed Bd

Hicks Is Senior VP at Bank of the OzarksBank of the Ozarks, Little Rock, has named Tim Hicks senior vice presi-dent for corporate finance in Little Rock. He previously served as an as-sistant treasurer and director of inves-tor relations for Alltel Corporation in Little Rock. Hicks is a graduate of the University of Arkansas School of Law and of Hen-drix College Q

Cook

ARKANSASNeW MeXICo

Bryant Is VP/Comm Lender, Centennial Bank, Little RockCorey Bryant has joined Centennial Bank’s private banking division in Little Rock as vice president of com-mercial lending. Bryant previously served as a com-mercial lender with Arvest Bank at the Arcade Branch (11331 Arcade Dr.) in Little Rock Q

loUISIANA

ARIZoNA

Plains Named Manager,U.S. Bank in PhoenixBrett Plains has joined U.S. Bank in Phoenix as vice president and rela-tionship manager. Plains has 10 years of banking ser-vice with Wachovia Bank and Bank of America, and is a graduate of Arizona State University Q

Retired Banker Murry Lamar Van Hooser Dies at Age 87Murry Lamar Van Hooser, a retired Ruston bank executive, died on No-vember 29 in a Shreveport hospital. He was born on October 7, 1922, and was a longtime resident of Rus-ton. He was a WWII U.S. Army veteran and a graduate of Louisiana Tech Uni-versity with a degree in accounting. Van Hooser served at various times during the 1970s and 1980s as vice president of First National Bank of Ruston, president of Citizens Bank & Trust Co. of Arcadia, and vice presi-

dent of Ruston State Bank & Trust Company Q

December �1, �009 BANKERS DIGEST Page �

N e W S W A T C H

BancFirst Corporation, Oklahoma City, has announced that it has completed the previously announced acquisition of First Jones Bancorporation. On No-vember 30, First State Bank, Jones, the subsidiary bank, had approximately $36 million in assets, $31 million in deposits, and $4.5 million in equity capital. The acquisition will be ac-counted for as a purchase. First State Bank, Jones will operate as a subsid-iary of BancFirst Corporation until it is merged into the BancFirst system, which is expected to be during the first quarter of 2010. The acquisition will enhance the presence of BancFirst in eastern Oklahoma County. BancFirst Corporation is an OK- based financial services holding com-pany. The company’s principal subsid-iary bank, BancFirst, is OK’s largest state-chartered bank with total assets of $4.3 billion, loans of $2.7 billion, deposits of $3.9 billion, and equity of $426 million. BancFirst offers banking services through 88 banking locations serving 44 communities across OK Q

BancFirst Completes Jones Bancorporation Acquisition Simmons First National Corporation,

Pine Bluff, has announced the closing of the underwriters’ exercise of their over-allotment option to purchase an additional 397,500 shares of the com-pany’s common stock at a purchase price of $24.50 per share, less under-writing discounts and commissions. The over-allotment option was grant-ed in connection with the company’s

Simmons, Pine Bluff, Exercises Over-Allotment Optionpreviously announced public offering. Simmons expects net proceeds from the offering, including the exer-cise of the over-allotment option, after deducting underwriting discounts and commissions and estimated offering expenses, to be approximately $70.5 million, up from $64.925 reported in the public offering which closed ear-lier in December Q

ARKANSASoKlAHoMA

loUISIANA

MidSouth Bancorp Inc., Lafayette, announced on December 9 it has commenced an offering of up to $30 million of its common stock in an un-derwritten public offering. It also said it intends to grant the underwriters an option to purchase up to an additional $4.5 million of common stock offered to cover over allotments, if any. MidSouth plans to use the net pro-ceeds from the offering for general cor-porate purposes including ongoing and anticipated growth, which may include potential acquisition opportunities. MidSouth is a bank holding com-pany with assets of $948 million as of September 30, 2009. Its subsidiary bank, MidSouth Bank, N.A., Lafayette, operates 35 locations in LA and TX. The company sold $20 million in pre-ferred stock to the Treasury under the TARP’s CPP program in early 2009 Q

MidSouth Bancorp Begins Common Stock Offering

SharpImageCheck System

InternetBanking

RemoteDeposit

PlatformAutomation

MobileBanking

ATM/DebitCard Processing

One Powerful Source for a Fully Integrated SystemFrom Imaging to Internet Banking to Core

Our software applications have been designed by community bankers specifically for use by community bankers. Since 1987, our banking software has allowed community bankers to focus on their most important asset, their customers. Sharp BancSystems continues to enhance our banking software applications, while developing new products to allow our customers to remain competitive in today’s banking environment.

We offer one-stop support for all of our comprehensive, totally integrated, state-of-the-art, PC-based community banking software applications including our Sharplmage Check Imaging System which was designed to easily handle the image exchange requirements of Check 21.

We believe that we could possibly save your bank 30 - 60% in total IT costs as compared to the leading vendors (in-house and service bureau) today, yet deliver as much or more feature/functionality for your bank.

817-553-2550 • www.sharpbancsystems.com“Fully Integrated PC-Based Community Banking Software Applications”

Page � BANKERS DIGEST December �1, �009

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

ArizonaBRANCHES The OFFICE OF THE COMP-TROLLER OF THE CURRENCY has received an application by JPMorgan Chase Bank, N.A., Columbus, OH, for a branch at 2902 N. Scottsdale Rd., Scottsdale.LouisianaBRANCHES The OFFICE OF FINANCIAL IN-STITUTIONS has filed an application by First Bank and Trust, New Orleans, for a branch at 3412 St. Charles Ave., New Orleans. The OFI has filed an application by Sabine State Bank and Trust Co., Many, for a branch at 4409 Coliseum Blvd., Alexandria. The OFI has filed an application by Gulf Coast Bank and Trust Co., New

Orleans, for a branch at 201 N. Carroll-ton Ave., New Orleans. The OFI has filed/approved an appli-cation by IBERIABANK, Lafayette, for a branch at 468 Metairie Rd., Metairie. The OFI has approved an applica-tion by Gulf Coast Bank, Abbeville, for a branch at 300 E. Milton Ave., Youngsville.MERGERS AND ACQUISITIONS The FEDERAL RESERVE BANK OF DALLAS has filed an application by Community Trust Financial Corpo-ration, Ruston, to acquire Madison Financial Corporation, and its subsid-iary, Madison County Bank, both of Madison, MS.TexasBRANCHES The OCC has approved an application by First Financial Bank, N.A., Abilene, for a branch at 2651 John Ben Sheppard Pkwy., Bldg. 4, Ste. E, Odessa. The OCC has approved an appli-cation by First Financial Bank, N.A., Weatherford, for a branch at 550 Bai-ley Ave., Ste. 300, Fort Worth. The OCC has approved an appli-

cation by Lone Star National Bank, Pharr, for a branch at 7954 Fredericks-burg Rd., San Antonio. The TEXAS DEPARTMENT OF BANKING has received an application by Southwest Bank, Fort Worth, for a branch at 3641 Matlock, Arlington. The TXDB has approved an ap-plication by Wallis State Bank for a branch at 10055 Almeda Genoa Rd., Ste. 100, Houston. The TXDB has received an ap-plication by Community State Bank, Austin, to relocate a branch from 515 W. 35th St., Bldg. F, to 3724 Jefferson, Austin. The TXDB has approved an ap-plication by Western Bank, Coahoma, to relocate a branch from #1 Village Dr., Ste. 100, to 2550 Buffalo Gap Rd., Abilene.HOME OFFICE RELOCATION The TXDB has received an appli-cation by Alliance Bank Central Texas, Waco, to relocate from 1324 Lake Air Dr. to 4721 Bosque Blvd., Waco Q

Banks in FL, AZ, & KS Fail, Deposits Assumed, 133 YTD

N e W S W A T C H

The OCC and the KS state bank regula-tor closed three banks on December 11, and the FDIC was appointed receiver. The OCC closed Republic Federal Bank, N.A., Miami, FL. The FDIC en-tered into an agreement with 1st United Bank, Boca Raton, FL, to assume all of the failed bank’s deposits (1.2% premi-um) and purchase $267.1 million of the failed bank’s assets. The FDIC and 1st United Bank entered into a loss-share transaction on approximately $210.4 million of the failed bank’s assets. As of September 30, 2009, Republic Federal Bank, N.A., had total assets of $433.0 million and total deposits of ap-proximately $352.7 million. The FDIC estimates the cost to the DIF will be $122.6 million. The OCC closed Valley Capital Bank, N.A., Mesa, AZ. The FDIC entered into an agreement with Enterprise Bank & Trust, Clayton, MO, to assume all of the failed bank’s deposits (2% premi-um) and purchase essentially all of the failed bank’s assets. The FDIC and En-terprise Bank entered into a loss-share

(continued on Page 9)

December �1, �009 BANKERS DIGEST Page 9

N e W S W A T C H

maybe money. So, we take the easy way out. According to labor attorney Ste-phen Key, a previous employer does not have to give any reference at all about a previous employee. That is right! You don’t have to say anything...nada. You can simply say, “I am not going to make any comment.” Now, that in itself may be all you need to say to communicate the fact that you can’t, in good conscience, give the ex-employee a good reference. Again, according to Key, “Statutory immunity standard is remarkably high. In Texas, employers are immune from liability for making statements related to the job ‘that the employer reason-ably believed to be true.’ Conversely, in order to overcome the presumption of immunity, the ex-employee/plain-tiff must establish ‘clear and convinc-ing evidence’ that the ex-employer knew it was false.” In other words, as long as you are telling the truth about an ex-employ-ee, at least in the state of Texas, you are immune from liability. Now, that doesn’t mean that just because you tell the truth the ex-employee won’t hire an attorney to write you a warn-ing letter and threaten to sue. It does mean that if you tell the truth, the re-ality of a lawsuit isn’t great. According to Key, these lawsuits are very, very rare. “Truth,” according to Key, “is the best defense against defamation.” As long as you are telling the truth...even if you speculate that the ex-employee was negligent in his or her duties, or on drugs or having personal problems that affect their work, your speculation is the truth. There are two instances, however, when you, as an ex-employer, must tell a reference checker what you know. The first has to do with embezzlement or stealing money, and the second has to do with violence. If your ex-em-ployee was terminated for either one of these offenses, you are compelled to tell a prospective employer. Fur-thermore, you may be held liable for a negligent reference if you do not. The Golden Rule comes to mind:Treat others the way you would want to be treated. We all know the time and energy drain that poor employ-

ees become. It is sad state of affairs when we know how disastrous an ex-employee was to us, and we don’t truthfully warn a prospective employ-er about that ex-employee, especially when we are asked. It is obvious that no matter what you say about an ex-employee, it needs to be substantiated with facts. In fact, it is advisable to stay away from qualita-tive pronouncements unless they can be backed up with facts. Saying that an ex-employee wasn’t very attentive rather than stating the employee was absent from work at least one half day a week isn’t as factual. Quantitative facts should be provable. And, then there is no question that you as an ex-employer are relying on what you “believe to be true.” Keeping reasonable forms of quan-titative information on all employees is not hard to do. These statistics cer-tainly come in handy in giving helpful references Q

About the authors: Stephen Key is the founding partner of The Key Firm, PC, a management-side la-bor and employment law boutique in Dal-las, Texas. He can be reached at 214-550-1800.

Anthony Beshara, Ph. D., is president of Babich & Associates, an executive search firm in Dallas, Texas. He can be reached at 214-823-9999.

F e A T U R e

NEED A PRINT OR ONLINESUBSCRIPTION? CHANGE AN

ADDRESS OR NAME?Visit www.bankersdigest.com

SEND NEWS OF YOUR BANK?email

bankersdigest@bankersdigest.com214/221-4544

Fax 214/221-4546

Bank Failures (continued from Page 8)

transaction on approximately $29.8 million of the failed bank’s assets. As of September 30, 2009, Valley Capi-tal Bank, N.A., had total assets of $40.3 million and total deposits of approxi-mately $41.3 million. The FDIC estimates the cost to the DIF will be $7.4 million. The KS Office of the State Bank Commissioner closed SolutionsBank, Overland Park. The FDIC entered into an agreement with Arvest Bank, Fay-etteville, AR, to assume all of the failed bank’s deposits and purchase essentially all of the failed bank’s as-sets. The FDIC and Arvest Bank entered into a loss-share transaction on ap-proximately $411.3 million of the failed bank’s assets. As of September 30, 2009, Solu-tionsBank had total assets of $511.1 million and total deposits of approxi-mately $352.7 million. The FDIC esti-mates the cost to the DIF will be $122.1 million Q

Feature (continued from Page 3)

Page 10 BANKERS DIGEST December �1, �009

B a n k e r s D i g e s tHOW TO CONTACT US

Fax to 214/221-4546. Mail responses to Box Number c/o Bankers Digest, 9550 Forest Lane, Suite 125, Dallas, TX 75243-5928. Phone: 214/221-4544. email: bank-ersdigest@bankersdigest.com

Advertising rates are $35.00 for the first 25 words; $10.00 for each additional 10 words per insertion. Ads which use a Bankers Digest box number for forwarding responses will be charged $5.00 additional per insertion for postage and handling. Ads run on Bankers Digest website for the duration of the advertis-ing agreement at no additional charge. Only Principals will be assigned box num-bers. Responses to Bankers Digest boxes are forwarded twice weekly. Advertising deadline is Monday noon for following Monday’s publication.

C l A S S I F I e D

MISCELLANEOUS

25 year banker (not a broker) WANTS TO BUY: TEXAS BANK with 1,2, or 3 rating. Assets < $150MM. Reply in confidence to ndallasbank-er@gmail.com.

BANK STOCK FOR SALE

BANK STOCK: 24% of $19MM coun-try bank. 100% a possibility? Highly profitable, excellent rating, only financial institution in town. Ray Mitchell, P.O. Box 789, Bartlett, Tex-as 76511. Rm2625@bellsouth.net. Cell: 954/240-2625.

POSITIONS AVAILABLE

MULTI FAMILY BUSINESS DEVEL-OPMENT OFFICER for Dallas/Ft. Worth. Should have referral network established and HUD understanding. Sharon Emiliano, Babich & Associ-ates, Sharon@babich. com, 214/823-9999, #306, www.babich.com. (see banking).

LENDER OPPORTUNITIES in TEX-AS, NEW MEXICO, and OKLAHOMA. Strong business development and credit skills needed. Call or send resume to Harvey Urban, Babich & Associates, hurban@babich.com 214-823-9999 #304.

IT MANAGER: Experienced, strate-gic manager needed to elevate In-dependent Bank’s information and automated systems to the next level. Mark Mitchell, Lone Star Search, 972.335.9009, www.lonestarsearch.net. CHIEF FINANCIAL OFFICER: Grow-ing Community Bank, position will

chair ALCO, manage Accounting Dept., smaller town preference desired. Mark Mitchell, Lone Star Search, 972.335.9009, www.lone-starsearch.net. Small independent community bank in Central Texas is in need of a CHIEF FINANCIAL OFFICER. Ideal candidate will have a minimum of 5 years experience in banking as CFO/Cashier and Regulatory Reporting. Competitive salary, excellent ben-efits which include medical, dental, life insurance and 401K. Email re-sume, references and salary require-ments to bankersdigest@bankersdi-gest.com, subject line N-1.

SENIOR MANAGEMENT: Opportuni-ty of a life time for the right person.We need to groom a REPLACEMENT FOR OUR PRESIDENT. The $225M East Texas national bank is highly profitable, no hidden problems, all the CAMELS are covered. What we need is someone who has the fire to want to be a leader and wants a chance to run their own bank in the next 3-5 years. Business develop-ment, lending and operations knowl-edge needed. We only want the best and are willing to pay the right rural or big city person who wants to con-vert to the country. E-mail you cover letter and resume to bankersdigest@bankersdigest.com , subject line D-1. All responses will be handled con-fidentially.

RecRuitment

Wage & SalaRy adminiStRation

incentive compenSation BonuS planS

RegulatoRy compliance

policieS and pRoceduReS

employee HandBookS

affiRmative action planS

employee RelationS advice & counSel

BenefitS analySiS

unemployment claimS aSSiStance

WoRkeRS’ compenSation aSSiStance

pRoductS & poSteRS

litigation SuppoRt

tRaining

WhitneySmith provides a variety of management consulting services, including:

For more information on all our services, please call our office or visit our website at:

www.whitneysmithco.com

Your Source For Banking Human Resources Assistance

301 Commerce Street, Suite 1950Fort Worth, Texas 76102

817.877.0014 817.877.3846 Fax

THE BANKING INDUSTRY’S FOREMOST SOURCE OF JOBS FOR BANKERS AND

STAFFING FOR BANKS 214-823-9999 www.babich.com

Contact one of our Banking Specialists today! Sharon Emiliano Harvey Urban sharon@babich.com hurban@babich.com

The Southwest's Oldest Bank Staffing Firm Since 1952

Page 11 BANKERS DIGEST December �1, �009

C l A S S I F I e D Northeast Texas Bank seeking LOAN OFFICER with experience in con-sumer, mortgage, and light com-mercial lending. Familiar with bank compliance issues. Cross selling and good organizational skills a must. Requirements: bachelor’s degree, 2-4 years experience, bilingual pre-ferred. Please send resume to Hu-man Resource Officer, P.O. Box 849, Pittsburg, Texas 75686. EOE.

CitizensBANK in Slaton, TX, is seeking a COMPLIANCE OFFICER. Applicant needs 5+ years of bank compliance and/or regulatory experience. This in-dividual will office in one of our new facilities in Lubbock and be respon-sible for all compliance matters within the organization. Competitive salary, excellent benefits which include medi-cal, life insurance, and 401K. We are a 77 year-old institution with approxi-mately $245 million in assets. Send resume to Blake Boyd, President/CEO, 806.828.5539 (fax), bboyd@bankon-citizens.com, CitizensBANK, 103 Tex-as Ave., Slaton, TX 79364.

Treaty Oak Bank is a community bank in Austin, Texas. We have an immediate opening for a LOAN OP-ERATIONS MANAGER with extensive experience documenting and pro-cessing both commercial and real estate loans. The ideal candidate will have a minimum of five years experi-ence in a loan operations or related department. If you are interested and have experience in both areas, please send your resume to tclark@treatyoakbank.com. We will only re-spond to qualified candidates.

Proud Community Bank in North Texas seeks CHIEF OPERATIONS OFFICER with $1B bank COO expe-rience. Strong leadership and tech-nology skill set needed to advance bank into new markets. Comprehen-sive total compensation and benefits package available. Please send cov-er letter, resume, and salary history to matt.smith@legend-bank.com.

PRESIDENT: $100 MILLION NORTH TEXAS BANK. Located in a very ap-pealing recreational beautiful area. Applicant must have strong aca-demic background in Finance and Accounting, computer skills, at least ten years extensive loan experience, strong family background, and excel-lent references. Please email your resume and references to rbs216@aol.com.

CASHIER/CFO: West Texas commu-nity bank seeks individual for CA-SHIER position. Duties include but not limited to complete oversight of bank internal accounting, regula-tory reporting, and human resources functions. Prior experience a must. Excellent compensation package including incentive bonus. Send re-sume to bankersdigest@bankersdi-gest.com, Subject Line D-3.Western Bank, a $200 million community bank, is seeking an experienced

COMPLIANCE OFFICER, prefer-ably with regulatory experience, to take over the compliance manage-ment for our growing bank. We are seeking a compliance professional to grow with us to the next level. The job will be based in beauti-ful Big Spring, TX. We are locally owned and operated. Please send a resume to John Scott, chairman at (432) 394-4061 or e-mail to jscott@thebank.net. Western Bank, P.O. Box 140, Coahoma, TX 79511-0140.

SENIOR CREDIT OFFICER/SENIOR SPECIAL ASSETS WORKOUT OFFICER

A senior credit officer/senior special assets workout officer is needed for a community bank with offices in several cities.

The ideal candidate will have the following:

• 5+ years of experience handling distressed and workout loans • superior credit analysis skills • exceptional negotiation and communication skills • excellent presentation skills • knowledge of bankruptcy laws.

Interested parties (Principals only) please send resume to stdbanktexas@gmail.com

Heflin Building Systems, LP“Providing your every construction need”

� Innovative� Experienced� Professional

We offer Permanent or Temporary Buildings of any style construction withcompetitive pricing and complimentary marketing packages that includeSite Plan, Floor Plan, Elevations and 3D Computer Renderings to ensureyour complete satisfaction.

2308 Michigan Court Arlington, Texas 76016fax (817)261-6583 www.heflinbuildings.com

Call us today!817-261-4565

Page 1� BANKERS DIGEST December �1, �009

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

TIB + 4-COLOR - YOU HAVE

www.NorthAmericanBuildings.comDE LA RUE (now Telaris) TELLER CASH RECYCLER FOR SALE. For more details, please contact Su-zanne (713) 629-2800 or s.ragsdale@houstonbusinessbank.com.

FOR LEASE: Longview, Texas, a 2000 sf high traffic location featur-ing 2 offices, restrooms, breakroom, teller’s counter, alarm system, night depositories, and pneumatic tube system for a 3-stall drive-in facility.903-720-0139 or 903-238-7095, dmalonecb@aol.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 avail-able. Custom made & large size gun safes in stock. OK license #1055. 580/584-7766 or 800/642-8763, or FAX: 580/584-7720, or email: un-derwoodsafe@yahoo.com or www.underwoodsafe.net.

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.

MODULAR BANK BUILDINGS: Looking to Branch? Opening a New Charter? Disaster Planning? Need a Temporary while Remodeling? Tem-porary/Permanent Modular Bank Buildings new and used. North American Buildings, 888-800-8866,