Having now served ten years of the fifty three years the bank has been in existence, I find myself reflecting on all the changes that have occurred during that time frame.

In the last ten years, the bank has grown by some forty five million dollars in total assets. The bank expanded from one location in a single market to six locations in four markets. Around June of 2008 we will open our seventh location and will be serving a new market area in Haughton, La.

During this time, the economy and investment markets have experienced some drastic changes. Not the least of these would be the lowest interest rates in some forty years. During this time however, the bank has managed to provide a reasonable return on your investment, an increase in the value of your investment, both while protecting a more than adequate capital position.

As we seek to meet the challenges of a constantly changing banking environment, our commitment to “”people, places, and products” remains paramount. We believe "The way to keep an old customer is to treat him like a new customer."

When we say “COME ON HOME TO THE WAY BANKING SHOULD BE” there is a reason.

G. Kent Gibson, CEO