Ray Robinson, Chairman, joined the Board of Directors in 1999 and was appointed Chairman in May 2003.  Mr. Robinson is the retired president of AT&T's Southern Region and formerly responsible for marketing, sales, and promotions of AT&T's Business and Consumer Services across the states of Florida, Georgia, North Carolina, South Carolina, Kentucky, Tennessee, Alabama, Mississippi and Louisiana. He has also previously held numerous management positions in operations, corporate relations, and regulatory affairs in Albuquerque, Portland, Chicago, San Francisco, Denver, Colorado Springs and New Jersey.  Mr. Robinson is an active part of the community and holds memberships in the NAACP, Alpha Phi Alpha Fraternity, Inc., the National Black MBA Association, and the 100 Black Men of Atlanta, Inc.  He also serves on the Board of Directors of American Airlines, the Georgia Aquarium, Aaron Rents, Inc., Avnet, Inc., Acuity Brand Corporation, RailAmerica, Inc., and Meharry Medical College. He is the President Emeritus of the East Lake Golf Club.  We believe Mr. Robinson’s extensive leadership and management skills, his experience on the boards of other public companies, and his active community involvement make him a valued contributor to the board and qualify him to serve as a director.

James E. Young, President & CEO, assumed his presidency with Citizens Trust Bank in 1998 after the completion of the merger between the Company and First Southern Bancshares. He previously served as President and CEO of First Southern Bancshares and its principal subsidiary, First Southern Bank.  His banking career began in 1971 in New York City as a Management Trainee with Chase Manhattan Bank. Shortly thereafter, he became a lending officer in 1972. After completing lending assignments in Chase's Corporate Banking Department, he was promoted to Vice President and Team Manager in the Bank's Credit Audit Division where he was responsible for assessing the quality of the Bank's loan portfolio worldwide. He later became a Human Resource specialist in charge of Chase's Equal Employment Opportunities Programs before leaving in 1989 to join City National Bank of New Jersey as Vice President - Chief Commercial Loan Officer. He was promoted in 1990 to Senior Vice President - General Administration & Commercial Loans where he remained until leaving City National to join First Southern Bank in 1993.

Mr. Young is a member of the Board of Directors of Central Atlanta Progress, The Commerce Club, MinBanc, and RockTenn Company. He is a past board member of The National Bankers Association, The Boys & Girls Club of Atlanta, the Metro Atlanta YMCA, DeKalb Medical Center, Morris Brown College Board of Trustees, and the Community Bankers Association of Georgia.  In addition, he is a member the Atlanta Committee for Progress, Board of Councilors of The Carter Center, The Atlanta Rotary Club, and the DeKalb County Chapter of 100 Black Men of America.  Mr. Young has almost 40 years of experience in the industry.  We believe Mr. Young’s insight into the day-to-day operations of the Bank and his deep understanding of the banking industry adds value to the board and qualifies him to serve as a director.

Robert L. Brown, Jr., joined the Board of Directors of the Company in 2000.  In 1984, he established R. L. Brown & Associates, Inc. to provide architectural and construction management on projects for corporate clients and private/government groups. His company has designed many projects throughout Metro-Atlanta and Alabama including the Birmingham Civil Rights Institute, Morehouse College Leadership Center, 1996 Olympic Tennis Venue, Clark Atlanta University Student Center, and academic buildings for Georgia Perimeter and Spelman Colleges. Active in business and community affairs, Mr. Brown serves as Chairman of The Partnership for Excellence in Education and a Board Member of Agnes Scott College and The Georgia Historical Society. His corporate board involvement includes Georgia Power, Metro Atlanta Chamber, and The Georgia Chamber of Commerce.  He is a member of the Atlanta Business League, Decatur Rotary, Leadership DeKalb, Leadership Georgia, and 100 Black Men of DeKalb.  We believe Mr. Brown’s extensive experience in the construction industry, as well as his community involvement, qualifies him to serve as a director.

Stephen A. Elmore, Sr., joined the Board of Directors in 2003.  He is a Certified Public Accountant and a Certified Bank Auditor. He is a partner in the accounting firm of Smiley-Smith & Bright, CPAs.  The Firm’s practice is limited to forensic accounting and litigation consulting.  Mr. Elmore serves as an Expert Witness in both criminal and civil litigation proceedings.  In that capacity, he provides expert testimony on financial, accounting and economic issues.  He has a total of 37 years accounting and audit experience in the financial services industry.  Mr. Elmore spent 22 years as the General Auditor of Wachovia Bank of Georgia, N.A. (formerly First National Bank of Atlanta), and the Deputy General Auditor of the bank's parent company, Wachovia Corporation.  He spent 7 years with an international public accounting firm serving clients in the financial services industries.  He has taught classes in Bank Regulations, Accounting, Auditing, and Financial Statement Preparation for various Community Banking Associations across the country.
Active in civic and professional organizations, Mr. Elmore is a member of the American Institute of Certified Public Accountants, the American College of Forensic Examiners Institute, the Alabama Society of Certified Public Accountants, and the National Association of Black Accountants.  He serves on the Board of Directors of the Boys & Girls Club of Montgomery, Alabama, and is a member of the 100 Black Men of Atlanta, the Morehouse College Alumni Association, and the Leadership Atlanta Alumni.  Mr. Elmore was a founding member of the Atlanta-Fulton County Zoo, Inc., governing board and served as its Treasurer and audit committee chairman.  He is also a past board member of The NAACP Atlanta Chapter, the University Community Development Corporation, and the Georgia Affiliate of the American Diabetes Association.  We believe Mr. Elmore’s extensive banking and auditing experience is invaluable to the board, and particularly the Audit Committee, and qualifies him to serve as a director.

C. David Moody, Jr., is founder and president of C. D. Moody Construction Company, Inc., and former member of the Board of Directors of First Southern Bancshares and its subsidiary, First Southern Bank. He has served on the Company’s board since the merger with First Southern in 1998.  In 2009, Georgia Governor Sonny Perdue appointed Mr. Moody as General Contractor Representative for the Georgia State Licensing Board for Residential and General Contractors.  He is a member of numerous professional, civic, and social organizations, including the Atlanta Business League, the Atlanta Chamber of Commerce, and the Omega Psi Phi Fraternity.  He is the president of the National Association of Minority Contractors (Atlanta Chapter) and serves on the board of directors for Children’s Healthcare of Atlanta, Morehouse College Business School, Atlanta Business League, Theragenics (NYSE), and the Wesley Woods at Emory.  We believe Mr. Moody’s extensive business experience and specifically experience in the construction industry, as well as his community involvement, qualify him to serve as a director.

Mercy P. Owens, began her service as a director in 2004.  Ms. Owens retired as Senior Vice President of Wachovia Bank with more than 30 years of banking experience, primarily in the area of compliance.  Ms. Owens is the President of Resource Consulting, which has been engaged by Fortune 500 companies, small businesses, and non-profit organizations to provide training and development for her constituents.  She serves on the St. Augustine’s College Falcon Foundation Board and Emory Hospital Winship Cancer Center Advisory Board.  We believe Ms. Owens’ previous years of banking experience are very valuable to the board and qualify her to serve as a director.

Dr. Donald Ratajczak, joined the Board of Directors in 2003.  Hailed as the nation’s “top economic guru” by BusinessWeek magazine in 1996, Dr. Ratajczak is obviously one of the most respected economic forecasters of our time.  Over 20 years ago he founded Georgia State University’s Economic Forecasting Center, which received the Blue Chip award in 1994 for the most accurate forecasts on national economic conditions over the previous four years.  Dr. Ratajczak received his Ph.D. from MIT and now, as a Consulting Economist, occasionally provides his services to organizations such as the Joint Economic Committee of the U.S. Congress, the Congressional Budget Office, the Council of Economic Advisors, and the Georgia Department of Transportation.  Dr. Ratajczask’s forecasts receive international coverage in periodicals such as The New York Times, BusinessWeek, and The Wall Street Journal, as well as national television and radio outlets.  Dr. Ratajczak serves on the boards of Ruby Tuesday, Crown Craft, and Assurance America.  He also sits on the Governors' Economic Advisory Council.  As one of the nation’s top economists, Dr. Ratajczak clearly brings invaluable insight to our board and is well qualified to serve as a director.

H. Jerome Russell, has been a member of the Board of Directors since 1993.  He has moved through the professional ranks of the H.J. Russell & Company’s construction and real estate development operations to his current position as President of H.J. Russell & Company and Russell New Urban Development, LLC.  Mr. Russell previously served as President of City Beverage Company, a local beverage distributor.  He is a board member of the American Kidney Fund, Central Atlanta Progress, Metro Atlanta YMCA, and the Georgia State Foundation.  He serves in various capacities for other civic and community organizations including the Young President Organization and the 100 Black Men of Atlanta.  We believe Mr. Russell’s varied business experience, particularly as related to real estate and construction, is very useful to the board and qualifies him to serve as a director.

James Williams, has been a Director for Citizens Trust Bank since 2003.  Mr. Williams is a retired Executive Vice President with Turner Broadcasting System.  With Turner, his primary responsibilities included domestic oversight for WTBS, Turner South, Direct Response, and The Turner Trade Group.  He also had international responsibilities that included sales of all Time Warner assets throughout Asia, Europe, and Latin America for the Turner Trade Group.  He is currently President of Williams Communications System which is a media and marketing consulting firm and serves as a Senior Advisor for The Atlanta Braves and The Gwinnett Braves Baseball Teams, both owned and operated by Liberty Media. He is currently a member of the Board of Directors of the Georgia Alliance for Children, Meharry Medical College where he chairs Institutional Advancement, Atlanta Technical College, Chairman of The Greenforest Academy Foundation Board, and Chairman Emeritus of The Atlanta Tip-off Club.  He is a member of The Atlanta Guardsmen, The Atlanta Boule, and was a member of the 1989 class of Leadership Atlanta. We believe Mr. Williams’ leadership and management skills, particularly his extensive experience in the marketing business, bring valuable insight to the board and qualify him to serve as a director.