Southern Heritage Bank

Len Graham retired May 31, 2007 after having completed 32 years with State Farm Insurance companies, serving in agency executive positions in Alabama and for the past 14 years in Southeast Tennessee. He has held numerous financial services licenses and designations as well as property and casualty license during his insurance career. He has been a licensed real estate broker since 1974.

Mr. Graham is a graduate of the University of Southern Mississippi with a degree in Business Administration. He serves on the Business Advisory Council for Lee University. He is a charter member of Bradley Sunrise Rotary Club and a Paul Harris Fellow.

Dr. Hays is a graduate of Tennessee Wesleyan College where he was president of the National Alumni Association and currently serves on the Board of Trustees of the College. He is a graduate of the University of Tennessee Medical units. Hays has served as Chief of Staff at Cleveland Community Hospital and Chief of Radiology at Cleveland Community, Sweetwater and Athens Hospitals.

He is past president of the Cleveland Country Club, a Member of BPOE #1944, the United Way Pillars Club, Habitat for Humanity and the March of Dimes. Dr. Hays and his wife, Beverly, attend Broad Street Methodist Church where they have served on the Administrative Board.

Mr. Jenne graduated from the University of Tennessee at Knoxville, where he earned a B.S. Degree in 1963 and a J.D. in 1966. He has been a practicing attorney in Cleveland, Tennessee, since 1969. Mr. Jenne currently serves on the Board of Trustees for Broad Street United Methodist Church and is a member of the church's Long Range Planning Committee. He is past Finance Chairman of Broad Street United Methodist Church and past Chairman of the Administrative Board.

Mr. Jenne is Past President of the Bradley County Bar Association, Past President of the Cleveland Lion's Club, Past President of Cleveland Country Club, Past President of BPOE #1944, and past Director of the YMCA. He and his wife, Patti, are members of Broad Street Methodist Church.

Dr. Kyle graduated from Tennessee Wesleyan College in 1957 and from the University of Tennessee College of Medicine in 1958. He interned and was a urology resident at the University of Tennessee hospitals in Memphis. He began his urology practice in Cleveland, Tennessee, in 1963 and founded the urological corporation of Drs. Kyle, Bryan and Jackson. He has served as chief of surgery of Bradley Memorial Hospital and as chief of staff in 1972.

Dr. Kyle is a member of the TMA, AMA, AUA, SMA, and the American College of Surgeons and is certified by the American Board of Urology. He was president of the Cleveland Family YMCA in 1982. He retired from the practice of urology in 1995. He presently serves on the boards of the Cleveland and Athens Surgery Centers.

Mr. Ledbetter began his career as an auditor in 1974 with Arthur Andersen & Co. working in the audit, tax, and management consulting divisions. He then served as Assistant Administrator and Controller of the Hamilton County Nursing Home for 2 years. Mr. Ledbetter joined Cleveland Bank & Trust in 1979 as Vice President and Controller and was promoted to Senior Vice President and Controller in 1987.

In 1993, Mr. Ledbetter accepted the position of Senior Vice President and Division Manager of the Commercial Lending Group at First American National Bank in Cleveland, where he remained until his resignation in August of 1998. During that time, he was designated "Real Estate Specialist" for the Cleveland, Dayton, and Spring City markets.

Mr. Ledbetter is a graduate of Carson Newman College and The Stonier Graduate School of Banking. He is a Certified Public Accountant, a member of the American Institute of CPAs, and a member of Tennessee Society of CPAs. He serves on the TSCPA Banking Committee. He is active in the local community through membership in the Chamber of Commerce and the United Way and is a past president of both the Council of United Services and the Cleveland YMCA. He is a member of First Baptist Church of Cleveland, Tennessee.

Mr. McDaniel graduated in 1971 from Charleston High School, where he was salutatorian of his senior class. He attended Cleveland State Community College for two years and opened the Town Squire Men's Wear in 1977. In 1984, he opened The Town Boutique Ladies Wear. In 1996, he was selected by the Cleveland/Bradley Chamber of Commerce as Small Business Owner of the Year.

Mr. McDaniel is an active member of the Waterville Baptist Church where he teaches Sunday School and has also served as the assistant treasurer of the Bradley Baptist Association. He is a member of the Cleveland Rotary Club where he has served on the board of directors and as sergeant at arms. He is also a member of the Cleveland Chamber of Commerce and has served as Vice Chairman for the Retail Division and on the Membership and Development Committee.

Lester T. Simerville, Sr. graduated from the Georgia Institute of Technology in 1960 with a B.S. Degree in Textiles. After working 8 years with E. I. DuPont, in 1970 he started a chemical distribution company (Special Chemical Company, Inc.) which he served as President and owner until the company was sold in June 2000. He is currently President and owner of Specialty Enterprises, Inc. (a real estate leasing company). Mr. Simerville served on the Advisory Board at First American National Bank of Cleveland until his resignation in July 1998. He received The M.C. Headrick Free Enterprise Award in 1996 from the Cleveland/Bradley Chamber of Commerce. He and his wife, Sharon, attend St. Luke's Episcopal Church where he served as Senior Warden.

Mr. Smith has been in the restaurant business since 1973. He owns and operates 8 McDonald's restaurants located in Cleveland, Athens, Sweetwater, Madisonville, Etowah, and Ooltewah, Tennessee. He is former Chairman/President of Cleveland Chamber of Commerce and the Cleveland Country Club, the Cleveland State Community College Foundation, BPO Elks, USA, and Chairman/Harter member of Ronald McDonald House of Greater Chattanooga Area. He is past member and Chairman of McDonald's National Operators Advisory Board and current member of McDonald's National Advertising Board. He is a recipient of numerous awards in operations and marketing from McDonald's and has received the M.C. Headrick Outstanding Business Award from the Cleveland Chamber of Commerce.

Prior to McDonald's, Mr. Smith was in the insurance industry for 20 years and holds the designation of CPCU (Chartered Property Casualty Underwriter). He has continued his insurance involvement serving on advisory basis for McDonald's programs and currently is Chairman of MOOIC (McDonald's Owner/Operator Insurance Company).

Mr. Stewart has 34 years of banking experience. He began his career in 1972 at American National Bank in Chattanooga serving as Business Development Officer and Credit Officer. In 1980, he joined First National Bank of Columbus, Georgia, to organize their internal loan review functions, and later he was promoted to Vice President of Commercial Lending. In 1985, he joined First American National Bank in Bristol, Tennessee, as Senior Vice President for Commercial Lending and was promoted to City President in 1988 before being transferred in early 1990 to the Cleveland branch of First American, where, until mid-1998, he was the City President.

Mr. Stewart is a graduate of Tennessee Wesleyan College, The National Commercial Lending Graduate School at the University of Oklahoma, and the Stonier Graduate School of Banking. His civic activities include involvement with the United Way of Bristol, where he was awarded outstanding volunteer of the year in 1989, and the United Way of Bradley County, where he has served as Campaign Co-Chairman and as Chairman of the Board. He was a member of the organizing committee of the Greater Cleveland Soccer Association and served as President of the group. He has been active in the Cleveland/Bradley County Chamber of Commerce, serving as Treasurer and Chairman of the Board. He has served on the boards of Cleveland Family YMCA, Junior Achievement, and Cherokee Council of Boy Scouts. He is a member of the Bradley Sunrise Rotary Club and the First United Methodist Church.

Mr. Workman has been in the real estate business since 1978 and is currently the owner/broker of Bender Realty. Bender Realty is one of the largest real estate companies in Cleveland, Tennessee.

Mr. Workman received an Associate of Science in Business from Dyersburg State and attended East Tennessee State University. He has served on several different United Way committees in the past and is presently on the Board of Directors. He is also a member of the Bradley Memorial Hospital Foundation and the Cleveland-Bradley Chamber of Commerce. Mr. Workman is a past Kiwanian of the Year award recipient, and he received the Rover Varnell Leadership Award from the Chamber of Commerce in 1997. He is a past Chamber chairman and past president of the Tennessee Real Estate Education Foundation and Cleveland Board of Realtors.

Mr. Williams is CEO and owner of B&W Contractors, Inc. d/b/a/Cherokee Construction Company, CEO of Earthworks Unlimited, and president of Quality Steel Erectors, Inc. He has been involved in the construction industry for the past thirty-one years. He is past president of the board of Directors of the "Christmas in April" program. He serves on the Foundation Board of Cleveland State Community College and the Industrial Technology Advisory Council.

Mr. Williams is a member of the Cleveland/Bradley Chamber of Commerce, Better Business Bureau, Cleveland Country Club, United Way Pillars Club and serves on the Advisory Board for American Buildings Company. He and his wife Diane attend First Baptist Church.