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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 Walters

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.

Joseph H. Lutz, Senior Vice President - Credit Operations

Joseph Lutz

Joseph H. Lutz
Senior Vice President - Credit Operations

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.

Robert Halford, Senior Vice President - Finance and Operations

Robert Halford

Robert Halford
Senior Vice President - Finance and Operations

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.

Sam Lane, Senior Vice President - Client Development

Sam Lane

Sam Lane
Senior Vice President - Client Development

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.

Frances Ware, Senior Vice President - Private Banking

Frances Ware

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. Frances joined FCB in 2000.

Bo Bourne, Senior Vice President - Client Development

Bo Bourne

Bo Bourne
Senior Vice President - Client Development

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 - Lending Services

Bob Cragon

Bob Cragon
Senior Vice President - Lending Services

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.

Elisa T. Phillips, Vice President - Loan Officer

Elisa Phillips

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

Christina Osborne, Loan Officer

Christina Osborne

Christina Osborne
Loan Officer

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.

Evelyn A. Agent, Senior Vice President - Trust Services

Evelyn Agent

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.

Nathan Best, Loan Officer

Nathan Best

Nathan Best
Loan Officer

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.

North Mississippi Division

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. Former market president Bill Renovich is assisting Kyle through the end of the year in a consultative capacity. 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.

Ricky Dilley, Senior Vice President, Commercial Banking

Ricky Dilley

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.

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.

Allen Reed, Vice President & Branch Manager

Allen Reed

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.

Oxford Market

Eric Hanbury, President

Eric Hanbury
Oxford Market President

Eric joined First Commercial Bank in 2017 to open a new Loan Production Office location in Oxford, MS. Prior banking experience includes positions at M&F Bank as Oxford Market President as well as Chief Credit Officer. Most recently Eric served as Renasant Bank’s EVP of Corporate Banking for the Jackson metro area.