Bank With The First Team.

The First Commercial Bank team is unmatched when it comes to local understanding and business banking acumen. To learn more about any member of the distinguished FCB team, simply click on that individual’s name.

Jackson-Metro Division

Alan Walters, President and CEO

Alan H. Walters
President and CEO

Alan has over 20 years of diverse experience in the banking industry, including assignments and management positions in corporate lending, credit administration, cash management, international banking, funds management and mortgage banking.

Evelyn A. Agent, Senior Vice President - Trust Services

Evelyn A. Agent
Senior Vice President - Trust Services

Evelyn is Senior Vice President and Trust Officer at First Commercial Bank. She has more than 20 years in banking and finance including 12 years with Citizens National Bank serving in various Trust and Investment management roles. Evelyn joined First Commercial Bank in September 2014 and is focused on managing trust services in the areas of account administration, relationship management and business development. She enjoys working closely with clients and prides herself on building strong client relationships

Bo Bourne, Senior Vice President - Development

Bo Bourne
Senior Vice President - Client Development

Bo has more than 20 years of banking experience with Bank of America,Trustmark Bank and, most recently, Southtrust Bank where he served as CEO of central Mississippi operations. His background is particularly strong in corporate, industrial and commercial real estate lending. Bo is focused on developing new corporate account and private banking relationships for FCB

Wilson E. (Billy) Brunt, Senior Vice President

Wilson E. (Billy) Brunt
Senior Vice President

Billy entered the banking field in 1983 with First Mississippi National Bank (now Bankcorp South) as a loan officer. He advanced to the position of commercial lender and assumed managerial responsibilities in several markets, including Jackson, Hattiesburg, Gulfport and Jackson, Tenn. In 2003 Billy moved to BankFirst Financial Services to develop a de novo banking operation in Madison and Rankin Counties. He joined First Commercial Bank as a Senior Vice President in March 2011.

 

Bob Cragon, Senior Vice President - Lending Services

Bob Cragon
Senior Vice President - Lending Services

Bob has 30 years of experience in bank lending, having begun his career with The Mississippi Bank as a credit analyst in 1978. Since then, he has assumed increasing levels of credit management responsibility, including manager of corporate and business banking and serving as group credit director. Bob's focus with FCB is on lending services tailored to the small business, corporate and professional sectors.

Robert Halford, Senior Vice President - Finance And Operations

Robert Halford
Senior Vice President - Finance And Operations

Robert brings 13 years of banking experience to First Commercial, 10 of those as CFO with start-up banks. First Commercial is the third start-up bank with which Robert has been associated.

Sam Lane, Senior Vice President - Client Development

Sam Lane
Senior Vice President - Client Development

Sam has more than 26 years of banking experience with Jackson area banks including 17 years with Deposit Guaranty. His emphasis has been in middle market commercial and corporate lending in the Jackson metro area and throughout the state of Mississippi.

Joseph H. Lutz, Senior Vice President - Credit Operations

Joseph H. Lutz
Senior Vice President - Credit Operations

Joe has over 25 years of lending experience. For eight years he served as a credit officer for Deposit Guaranty where he worked with the business and professional market segment and with the community bank division.

Mark Saxon, Senior Vice President - Corporate Sales

Mark Saxon
Senior Vice President - Corporate Sales

Mark has 18 years experience in commercial banking, including 15 with Deposit Guaranty, both as a lender and department manager. Most of his experience has been with middle market commercial and corporate clients in the tri county metro area.

Frances Ware, Senior Vice President - Private Banking

Frances Ware
Senior Vice President - Private Banking

Frances joined the banking industry in 1983 with Deposit Guaranty National Bank. Her last seven years there were spent in Real Estate Lending. She also spent three and a half years in the Private Banking sector with BancorpSouth.

Carol Gardner, Vice President

Carol Gardner
Vice President

Carol Gardner joined DeSoto County Bank in May 2011 as Chief Financial Officer. Carol has more than 30 years of banking experience, primarily in Operations and Accounting. Carol now lends her expertise to First Commercial Bank after relocating to Jackson to assist at the main office.

Elisa T. Phillips, Vice President - Loan Officer

Elisa T. Phillips
Vice President - Loan Officer

Elisa began her banking career in Washington D.C. in 1989, and ascended through the ranks in Jackson commercial lending as senior credit analyst/credit officer, vice president & manager of small business private banking, and vice president & manager, corporate banking and new business development. Elisa joined FCB in August '06, and specializes in lending services tailored to the small business, corporate and professional sectors.

Christina Osborne, Loan Officer

Christina Osborne
Loan Officer

Christina graduated from Mississippi Sate University with a Bachelor of Business Administration degree in Banking and Finance. She received Summa Cum Laude honors and was a Young Bankers Orrin Swayze Scholastic Awards Finalist. Christina joined First Commercial Bank in 2010.

Nathan Best, Loan Origination

Nathan Best
Credit Analyst

Nathan joined First Commercial in 2013. His primary responsibilities include servicing commercial loan requests, business development, and credit analysis. Prior to joining First Commercial Bank, Nathan spent six years with Parkway Properties, focusing on property management, landlord leasing representation, business development, and construction management. Nathan is a graduate of University of Mississippi with a B.B.A. in Marketing Communications.

David Brooks, Customer Service Representative/Teller

David Brooks
Customer Service Representative/Teller

David has 23 years experience in banking with an emphasis in customer service and international banking.

Georgia Bullocks, Deposit Operations

Georgia Bullocks
Deposit Operations

Georgia comes to First Commercial with 28 years of experience in the banking industry, as well as mortgage loan servicing. She has worked in several areas of banking and mortgage loan servicing, including Payment Processing, Accounting, Bankruptcy, ACH/Wire Transfers, and Proof Operations.

Kim Caldwell, Finance & Operations

Kim Caldwell
Finance & Operations

Kim has over 13 years of experience in the banking industry and the financial software industry. She was also a small business owner for six years. She has a B.B.A in Banking and Finance from Mississippi State University and an M.B.A. from Mississippi College. Kim joined First Commercial Bank in 2014.

Mary Beth Cantrell, Customer Service Representative

Mary Beth Cantrell
Customer Service Representative

Mary Beth Cantrell comes to First Commercial with over 15 years of combined managerial and customer service expertise in the insurance and hospitality industries.

Shirley Clark, Deposit Operations

Shirley Clark
Deposit Operations

Shirley comes to First Commercial with 24 years of experience in the banking industry with an emphasis in the area of Deposit Operations. At First Commercial, Shirley will be responsible for Proof Operations,
Statement Processing, Item Processing, Research, Returns, Wholesale Lock Boxes, Mail-in Deposits, Telephone Transfers, Wire Transfers and Data Processing.

Angel Coleman, Loan Operations

Angel Coleman
Loan Operations

Angel has more than 25 years’ experience in the banking industry, specializing in real estate/mortgage loan closing documentation. She also has previous law firm experience preparing and closing loans.

Dawson Graves, Credit Analyst

Dawson Graves
Credit Analyst

Dawson graduated from Mississippi State University with a Bachelor of Business Administration degree in Finance. He received Cum Laude honors and was CFA Society of Mississippi Annual Award Recipient for 2015. Dawson joined First Commercial Bank in 2015.

Mary Cathryn Hammac, Compliance Administrator

Mary Cathryn Hammac
Compliance Administrator

Mary Cathryn has 35 years of extensive accounting and internal audit experience. She worked several years in the internal audit department at Sunburst Bank. She also has internal audit experience in the hotel industry and, most recently, served as Vice President - Audit at JP Morgan Chase, while working in the student loan industry. Mary Cathryn joined First Commercial Bank in 2011 as the Compliance Administrator and is also a Certified Community Bank Compliance Officer.

Heather Howard, Customer Service Representative

Heather Howard
Customer Service Representative

Heather joined First Commercial in 2013 as Customer Service Representative. Heather has previous customer service and office management experience working for a local private business for over 11 years.

Kim Simmons, Customer Service Representative/Teller

Kim Simmons
Customer Service Representative/Teller

Kim has over five years of banking experience with an emphasis in teller operations and customer service. She initially worked with First Commercial Bank from 2002 to 2004 and rejoined the bank in 2012.

Carolyn Mayberry, Customer Service Representative/Teller

Carolyn Mayberry
Customer Service Representative/Teller

Carolyn has over 23 years of banking experience with an emphasis in customer service and teller operations.

Jason McCleave, Credit Analyst

Jason McCleave
Credit Analyst

Jason has 17 years of small business accounting and operations experience and five years of service as a director at Statewide Federal Credit Union. He has a B.S. from Mississippi State University and has completed post-graduate accounting coursework at Belhaven University. Jason joined First Commercial Bank in 2013.

Linda McMaster, Executive Assistant

Linda McMaster
Executive Assistant

Linda has over 30 years experience in banking, having begun her career with The Mississippi Bank in 1974 working in the lending area. Since then, she has assumed increasing levels of administrative assistant responsibilities. She joined FCB in 2007 as Executive Assistant to the President.

Becky Mitchell, Loan Operations

Becky Mitchell
Loan Operations

Becky has 18 years of loan servicing experience in the financial industry. She joined First Commercial Bank in 2012.

Kelly Mitchell, Customer Service Representative

Kelly Mitchell
Customer Service Representative

Kelly has over ten years of experience in the customer service industry. She graduated Summa Cum Laude from Belhaven University with a Bachelor’s degree in Business Administration. Kelly joined First Commercial Bank in 2012.

Anna Nations, Finance and Operations

Anna Nations
Finance and Operations

Anna joined First Commercial with over 30 years of banking experience. She began her career at a local Jackson bank working in several areas including marketing, branch management, real estate lending, and credit administration. Anna is a Certified Regulatory Compliance Manager and her last eight years in banking were as Vice President/Compliance Officer for Union Planters Corporation. She was also Chief Compliance Specialist for a bank software provider and more recently worked in contract administration and risk management for a local business. She resumed her banking career with First Commercial Bank in 2013 in Finance and Operations

Ben Peavy, Portfolio Manager

Ben Peavy
Portfolio Manager

Ben joined First Commercial Bank in 2007 and has over 10 years of experience in banking. Ben also has experience in accounting and internal audit.

Rhonda Saul, Customer Service Representative/Teller

Rhonda Saul
Customer Service Representative/Teller

Rhonda has been in the banking industry for 17 years. She worked at Deposit Guaranty in the areas of teller operations, customer service and as a lending assistant in the Business Banking Department. Most recently she has served as a loan specialist with Bancorp South.

Gina Sistrunk, Loan Operations

Gina Sistrunk
Loan Operations

Gina has over 14 years experience in the banking industry, specializing in commercial loan closing documentation. She also previously worked as executive assistant and officer manager for a local business. Gina joined First Commercial Bank in 2006.

Berncill Stamps, Customer Service Representative/Teller

Berncill Stamps
Customer Service Representative/Teller

Berncill has over 19 years of banking experience in customer service and teller operations. She joined First Commercial Bank in 2005.

Jill Switzer, Teller

Jill Switzer
Teller

Jill has nine years of banking experience in teller operations and customer service. She joined First Commercial Bank in 2013.

DeSoto Division

William M. Renovich (Bill), DeSoto Division President

William M. Renovich (Bill)
DeSoto Division President

Bill Renovich started his banking career in 1976 in Laurel, MS with Bank of Laurel. He moved to Deposit Guaranty in 1981 and became President in 1987. After the merger of Deposit Guaranty and First American Bank in 1998, Bill served as President/CEO with a group to start First National Bank of the Pinebelt. Mr. Renovich moved to Southaven in 2005 to start DeSoto County Bank which opened in 2006. He currently serves as President of the DeSoto County Division after the Bank’s merger with First Commercial Bank in 2015.

H. Allen Whitsitt III, Executive Vice President, Commercial Lender

H. Allen Whitsitt III
Executive Vice President, Commercial Lender

Allen has 34 years of banking experience handling commercial account relationships. Starting in small business lending, he advanced to the position of division manager, responsible for commercial lending, small business lending, and private banking. For the past 15 years he has served as Senior Lending Officer for two de novo banks, Independent Bank in Memphis, TN, and DeSoto County Bank in Horn Lake, MS. As the Senior Lending Officer for Desoto County, Allen’s focus is on growing the bank’s commercial and real estate lending presence in that market.

Justin M. Bobo, Senior Vice President, Commercial Banking

Justin M. Bobo
Senior Vice President, Commercial Banking

Justin Bobo began his banking career in 2000 in Memphis, TN. In 2004 he moved to Olive Branch to work for Community Bank as a Vice President until he was hired by DeSoto County Bank in 2007. Today, Mr. Bobo serves as Senior Vice President of Commercial Banking with First Commercial Bank. Mr. Bobo is a graduate of the MS School of Banking at Ole Miss and is currently enrolled at the Graduate School of Banking at LSU.

Ricky Dilley, Senior Vice President, Commercial Banking

Ricky Dilley
Senior Vice President, Commercial Banking

Richard (Ricky) H. Dilley began his banking career in 1978 in Forest, MS. with Community Bank.
Ricky moved to Southaven, MS in 1987 to open the first branch for Renasant Bank. DeSoto County Bank welcomed Mr. Dilley as Senior Vice President/Commercial Lender in December 2012. Mr. Dilley brings his many years of commercial lending experience to his position with First Commercial Bank.

Hunter Hollingsworth, Vice President & Commercial Loan Officer

Hunter Hollingsworth
Vice President & Commercial Loan Officer

Hunter is a native of Byhalia, MS. He started his banking career after graduating from the University of Mississippi (in 2007) at the Bank of Holly Springs as a Branch Manager/Loan Officer. Hunter completed the Mississippi Banking School in 2012. Shortly thereafter, he joined BancorpSouth in Tupelo as a Loan Review Officer in their Audit Division. In 2014, he accepted a position of Commercial Loan Officer for BancorpSouth and served in Jonesboro, AR. While in that position, he completed the Paul Barrett Commercial Banking School. Hunter is serving as Vice President and Commercial Loan Officer for First Commercial Bank.

Allen Reed, Vice President & Branch Manager

Allen Reed
Vice President & Branch Manager

Allen joined DeSoto County Bank in 2014. He brings 30 years of Consumer/Mortgage Lending and Management experience. Having been a resident in the DeSoto County area for 25 years, Allen is a great fit in our Branch Manager/Lender position at the Horn Lake Branch. Allen maintains this position as a part of the First Commercial Bank team.

Kristin Follis, Branch Manager

Kristin Follis
Branch Manager

Kristin Follis joined DeSoto County Bank in 2011 as a Branch Manager/Lender at the Southaven location. Kristin brings a wealth of banking knowledge to the bank having started her banking career as a Teller/CSR and moving up the ranks over the last 15 years. She also has become a mortgage specialist since joining DeSoto County Bank. She is now happy to bring those same skills to the First Commercial Bank team.

Aleta Spiers, BSA Officer/Compliance Officer

Aleta Spiers
BSA Officer/Compliance Officer

Aleta Spiers joined DeSoto County Bank in September 2014 as BSA Officer/Compliance Officer. Aleta is now bringing that expertise to First Commercial Bank. Aleta has 29 years of experience in the banking industry. Her diverse professional experience includes compliance officer, internal auditor, mortgage loan officer and bulk-transaction supervisor.  

Shelby Covington, Teller/CSR

Shelby Covington
Teller/CSR

Shelby Covington has been providing excellent customer service in DeSoto County for seven years in Loan Operations and Teller operations. She joined DeSoto County Bank in 2013 at the Southaven branch as a Teller/CSR. She has been greeting customers there and taking care of their needs. Shelby is excited to be a part of First Commercial Bank. She continues to offer that excellent customer service to FCB’s customers at the Southaven branch.

Brandy Edwards, Teller/CSR

Brandy Edwards
Teller/CSR

Brandy Edwards joined DeSoto County Bank in February 2014, at the Horn Lake branch. Brandy has 5 years of experience in the banking industry as a Teller/CSR. Brandy enjoys serving the Horn Lake customers and strives to meet her customers’ needs. Brandy is quick to offer a pleasant smile and get right to work for our customers.

Pam Farris, Teller/CSR

Pam Farris
Teller/CSR

Pam Farris joined DeSoto County Bank in July 2015. Pam brought her 20 years of experience in the banking industry to Desoto County Bank. Pam enjoys working on the front line with customers and providing services to meet the customers’ needs. As a born and raised DeSoto County resident, she knows many of our customers.

Sarah Mitchell, Teller/CSR

Sarah Mitchell
Teller/CSR

Sarah Mitchell has been in banking for 4 years, primarily in Teller Operations and excels at providing exceptional customer service. Sarah joined DeSoto County Bank in 2013 from SunTrust Bank. Sarah brought her enthusiasm for exceptional customer service to DeSoto County Bank and worked diligently with customers to assist in the transition to First Commercial Bank in the fall of 2015.

Angie Gadd, Executive Assistant

Angie Gadd
Executive Assistant

Angie began her banking/finance career in 1989. She held started in banking as a bookkeeper in 1987 but found herself moving to the lending area after just a couple of years. She has had various lending--related support positions as well as an Office Manager/Administrative Assistant positon for a number of years prior to joining DeSoto County Bank in 2014 as an Executive Assistant. Angie assists the Desoto County President and supports the loan staff at First Commercial Bank.

Janice Johnson, Loan Operations

Janice Johnson
Loan Operations

Janice Johnson joined DeSoto County Bank in December of 2009. As a Loan Review Officer, Janice puts her many years of banking experience to good use. Janice specializes in loan operations and has held this position at several banks in the past. Janice provides her expertise to the DeSoto County locations for First Commercial Bank.

Nicole Lovett, Loan Review Assistant

Nicole Lovett
Loan Review Assistant

Nicole joined DeSoto County Bank in 2007 as a Teller/Customer Service Representative. Nicole worked in this position until July 2012. Nicole was a favored teller among the customers. After leaving the bank for a period of time, Nicole rejoined us in March 2015 to serve as a Loan Review Assistant. Nicole services in this capacity now with First Commercial Bank and offices at the Horn Lake branch; where she lends a hand in the lobby from time to time.

Tracy Pittman, Administrative Assistant

Tracy Pittman
Administrative Assistant

Tracy Pittman began her banking career in 2001 as a Teller. Tracy was promoted to several positions early in her career. She started working as a lending assistant in 2006. She has held this position and worked for several lenders. Tracy joined DeSoto County Bank in early 2013 as an Administrative Assistant in the lending department. Now she brings her expertise to First Commercial Bank in the same position.

Brandi Tomlinson, Deposit Operations

Brandi Tomlinson
Deposit Operations

Brandi Tomlinson joined DeSoto County Bank in 2011. Brandi has a diverse banking background with over 20 years in the industry. Brandi’s banking career has included most Operations positions from a Teller/CSR to holding an Executive Assistant’s position. Brandi currently is in Operations for the DeSoto County branches of First Commercial Bank.

Lisa Williams, Administrative Assistant

Lisa Williams
Administrative Assistant

Lisa Williams began her banking career in 1990 in Greenville, MS in the bookkeeping department.  She worked her way over to the Lending Department where she became an administrative assistant to lending officers.  She has held that position for several lending officers for the past 10 years.  Lisa joined DeSoto County Bank in early 2012.  She serves in the same capacity now for First Commercial Bank.