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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. Each officer listed below and our strong support staff are here to provide you with the best banking experience.

Jackson-Metro Division

Alan Walters, President and CEO

Alan H. Walters
President and CEO

Alan has over 38 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. He has been the President and CEO of FCB since its founding in 2000. As part of a May 1, 2020 management succession arrangement, Alan will become the bank’s Chairman of the Board effective May 1, 2021.

Curt Gabardi, Executive Advisor, President & CEO in Wait

Curtis J. Gabardi
Executive Advisor, President & CEO in Wait

A well respected and experienced regional banking executive, Curt has served in top leadership positions over the past three decades. This rich background led him to start Metropolitan Bank In 2008; it grew steadily with locations in Mississippi, Memphis and Nashville, TN.  Curt was named President and Chief Banking Officer of Renasant Bank following Renasant’s acquisition of Metropolitan Bank in 2017. Curt joined First Commercial May 1 of 2020, and will become President & CEO on May 1, 2021.

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 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

Bo Bourne
Senior Vice President

Bo has more than 30 years of banking experience which included Bank of America,Trustmark Bank and, Southtrust Bank where he served as CEO of central Mississippi operations before joining FCB in 2006. 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.

Bob Cragon, Senior Vice President

Bob Cragon
Senior Vice President

Bob has over 38 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. Bob joined FCB in 2006.

Robert Halford, Senior Vice President

Robert Halford
Senior Vice President

Robert brought 13 years of banking experience to First Commercial, ten of those as CFO with start-up banks. First Commercial is the third start-up bank with which Robert has been associated. Robert has been with FCB since its opening in 2000.

John Howie, Senior Vice President

John Howie photo

John S. Howie, Jr.
Senior Vice President

John has over 30 years of banking experience. He began his career with First Tennessee in Memphis. Having served in various roles with Trustmark National Bank over the past 25 years, John most recently was Senior Vice President, Corporate Lending. He is an acknowledged leader in Commercial Banking throughout the Southeast and has achieved great success as a producer, manager, and mentor to other commercial lenders. John joined First Commercial in 2020.

Sam Lane, Senior Vice President

Sam Lane
Senior Vice President

Sam has more than 40 years of banking experience which included 17 years with Deposit Guaranty. Sam has been with FCB since its founding in 2000. 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

Joseph H. Lutz
Senior Vice President

Joe has over 40 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. Joe joined FCB in 2000.

June Owens, Senior Vice President

June Owens
Senior Vice President

June began her career as an auditor with KPMG in 1994 and later transitioned to the commercial banking field with Wells Fargo Bank. In 2004 she joined Union Planters Bank and in 2007 was one of the founding members of Metropolitan Bank, serving as commercial relationship manager. During her later years at Metropolitan Bank, and while at Renasant Bank, she focused on commercial real estate financing. June joined First Commercial Bank in 2020.

Brian Rippee, Senior Vice President

Brian Rippee
Senior Vice President

Brian has more than 30 years of banking experience. He began his career with Union Planters in 1989, and started his focus on private banking in 1994 with Deposit Guaranty. In 2007 Brian was one of the founding members of Metropolitan Bank, serving as President of Private Client. During the transition of the merger with Metropolitan and Renasant Banks, Brian was named the President of Private Client. Brian joined First Commercial Bank in 2020.

Frances Ware, Senior Vice President

Frances Ware
Senior Vice President

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. Frances joined FCB in 2000.

Pam Ware, Senior Vice President

Pam Ware
Senior Vice President

Pam began her career with Union Planters Bank in the Retail Leadership Development Program. She spent the majority of her career as the Chief Operations Officer with Metropolitan Bank, focusing on deposit operations, digital banking, loan operations, information technology, vendor management, and compliance. Most recently Pam served as the Director of Operational Process and Efficiencies for Renasant Bank. She joined First Commercial Bank in 2020.

Elisa T. Phillips, Vice President

Elisa T. Phillips
Vice President

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 2006, and specializes in lending services tailored to the small business, corporate and professional sectors.

Hank Waterer, Vice President

Hank Waterer
Vice President

Hank earned his Bachelor of Business Administration degree from Mississippi State University, and received his MBA in Finance from Mississippi College. He began his banking career in Trustmark National Bank’s management development program. Upon completion, he was a Relationship Manager in Trustmark’s Private Banking group. Hank joined First Commercial Bank in 2020.

Nathan Best, Assistant Vice President

Nathan Best
Assistant Vice President

Nathan earned his Bachelor of Business Administration in Marketing Communications from the University of Mississippi. His primary responsibilities include servicing commercial loan requests, business development, and credit analysis. Previously Nathan spent six years with Parkway Properties focusing on property management, landlord leasing representation, business development, and construction management. He joined First Commercial Bank in 2013.

Christina Osborne, Assistant Vice President

Christina Osborne
Assistant Vice President

Christina graduated from Mississippi State 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.

Dawson Graves, Loan Officer

Dawson Graves
Loan Officer

Dawson joined First Commercial Bank in June of 2015 as a Credit Analyst and now serves as a Loan Officer. Prior to joining First Commercial Bank, Dawson earned his Bachelor of Business Administration from Mississippi State University. Most recently, Dawson earned his MBA from Millsaps College.

Deonté Sanders, Trust Officer

Deonté Sanders
Trust Officer

Deonté joined First Commercial Bank in October of 2018, having previously worked as a Trust Officer at Pinnacle Trust, and as a Trust Account Administrator at Trustmark. Deonté earned his Bachelor of Accounting and his MBA from Belhaven University. Since joining First Commercial Bank, Deonté has provided great depth in our Trust Department, and has developed strong relationships with many of our Trust customers.

North Mississippi Division

Eric Hanbury, North Mississippi Regional Executive

Eric Hanbury
North Mississippi Regional Executive

Eric joined First Commercial Bank in 2017 to open our Loan Production Office in Oxford, Mississippi. Until February 2019, he served as Oxford Market President. Eric now serves as First Commercial Bank’s North Mississippi Regional Executive with management responsibilities in the Oxford Market as well as the DeSoto County Market. His previous banking experience includes positions at M&F Bank - Oxford Market President and Chief Credit Officer, as well as Executive Vice President - Corporate Banking at Renasant Bank in the Jackson metro area.

Lynn Carson, Senior Managing Director, Regional Commercial Strategies

W. Lynn Carson
Senior Managing Director, Regional Commercial Strategies

Prior to assuming his regional responsibility in 2020, Lynn served as FCB’s Oxford Market President. Before that he was Executive Vice President with Bank3. His career also includes senior level positions with SunTrust Bank, Metropolitan Bank, and Magna Bank. Lynn has a wealth of knowledge and experience in Commercial Lending.

DeSoto County Market

Kyle McCoy, President

Kyle McCoy
DeSoto Market President

Kyle McCoy joined First Commercial Bank as DeSoto County market president during the third quarter of 2018. Most recently Kyle served as market president with another DeSoto County bank for 18 months, and as a commercial lender there for roughly three years prior. Before that he handled loan underwriting for Memphis-headquartered ServiceMaster’s franchise business. He began his career in 2005 with Sycamore Bank in DeSoto County. In addition to commercial real estate lending, Kyle’s experience also includes C&I (commercial & industrial) lending and tailoring loans and other services to the needs of DeSoto area small businesses.

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

Allen Whitsitt

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 Bobo

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.

Corey J. Porta, Vice President, Commercial Lender

Corey J. Porta
Vice President, Commercial Lender

Corey Porta joined First Commercial Bank as Vice President/Commercial Lender in our Southaven branch in 2018 and brings with him a vast knowledge in commercial credit, commercial lending, portfolio management and underwriting.  Following his graduation from Lock Haven University, Corey began his banking career as a Commercial Credit Analyst in Lancaster, Pennsylvania.  Corey then earned his Master of Business Administration degree from Lebanon Valley College and, in 2015, he headed south where he served as a Business Relationship Manager in Nashville and an Assistant Vice President/Business Relationship Manager in Memphis.  Prior to joining First Commercial Bank, Corey served as Assistant Vice President/Commercial Loan Officer at Bank Tennessee in Memphis.

Kristin Follis, Branch Manager

Kristin Follis

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.

Oxford Market

Lucius Brock, President

Lucius Brock
Oxford Market President

Lucius began his career as an examiner for the Department of Banking prior to joining First Commercial Bank in 2005. He subsequently earned his MBA from the University of Mississippi and is a graduate of the LSU School of Banking. He continued his banking career with Oxford University Bank and Renasant Bank prior to rejoining the First Commercial team in 2020.

Luke Harris, Vice President

Luke Harris
Vice President

A native of Memphis, Tennessee, Luke earned his Bachelor of Business Administration from the University of Mississippi. His career includes several years with Citizens National Bank in the Meridian, DeSoto County, and Jackson markets as a Credit Analyst and then as a Commercial Banker. Most recently he served as a commercial relationship officer with Renasant Bank in Oxford. Luke joined First Commercial Bank in 2020.

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