FEDERAL ADVISORY
COUNCIL MEMBER

Katie S. Winchester
President, CEO and Director
First Citizens National Bank
Dyersburg, Tennessee

DISTRICT ADVISORY
COUNCIL MEMBERS

Agricultural

Paul Combs
Vice President
Baker Implement Company
Kennett, Missouri

Robert A. Cunningham
Valley Farms
Bigbee Valley, Mississippi

Robert Seidenstricker
Hazen, Arkansas

Joseph H. Spalding
Lebanon, Kentucky

Small Business

Gerald W. Clapp Jr.
President/Owner
Clapp Oldsmobile
Clarksville, Indiana

William D. Crawley
President
Southern Sales & Service
Memphis, Tennessee

Chris Krehmeyer
Executive Director
Beyond Housing
St. Louis, Missouri

Dennis Ott
President/Owner
Dennis Ott and Company Inc.
Clarksville, Indiana

Ann Ross
Ann's Business Consulting
St. Louis, Missouri

FINANCIAL SERVICES
ADVISORY GROUP
MEMBERS

Camden Fine
President
Midwest Independent Bank
Jefferson City, Missouri

Barbara McKenzie
Executive Vice President and CFO
Banterra Corporation
El Dorado, Illinois

Phil Porter
President
Arvest Bank Operations Inc.
Lowell, Arkansas

Judy R. Loving
Chairman
The Bank of Yellville
Yellville, Arkansas

Charles W. Tucker
Executive Vice President
Bank of Bartlett
Bartlett, Tennessee

Reynie Rutledge
Chairman
First Security Bank
Searcy, Arkansas

Carolyn Betsy Hudson
Senior Vice President
Bank of Benton
Benton, Kentucky

Don Hughes
President
FCB Services
Farmers Capital Bank Corporation
Frankfort, Kentucky

James Clayton
President
Planters Bank and Trust Company
Indianola, Mississippi

BANK OFFICERS

St. Louis Office

William Poole
President and
Chief Executive Officer

W. LeGrande Rives
First Vice President and
Chief Operating Officer

Karl W. Ashman
Senior Vice President

Henry H. Bourgaux
Senior Vice President

Joan P. Cronin
Senior Vice President

Mary H. Karr
Senior Vice President,
General Counsel
and Secretary

Robert H. Rasche
Senior Vice President and Director of Research

David A. Sapenaro
Senior Vice President

Richard G. Anderson
Vice President

John P. Baumgartner
Vice President

John W. Block Jr.
Vice President

Timothy A. Bosch
Vice President

Timothy C. Brown
Vice President

Marilyn K. Corona
Vice President

Cletus C. Coughlin
Vice President

Judith A. Courtney
Vice President

William T. Gavin
Vice President

R. Alton Gilbert
Vice President

Jean M. Lovati
Vice President

Jeffrey L. Miller
Vice President

Michael J. Mueller
Vice President

Kim D. Nelson
Vice President

Michael D. Renfro
General Auditor

Steven N. Silvey
Vice President

William Sneed
Vice President

Randall C. Sumner
Vice President and
Assistant Secretary

Daniel L. Thornton
Vice President

Dennis W. Blase
Assistant Vice President

Daniel P. Brennan
Assistant Vice President

James B. Bullard
Assistant Vice President

Martin J. Coleman
Assistant Vice President

Susan K. Curry
Assistant Vice President

Hillary B. Debenport
Assistant Vice President

Michael W. DeClue
Assistant Vice President

Elizabeth A. Hayes
Assistant Vice President

Edward A. Hopkins
Assistant Vice President

Patricia A. Marshall
Assistant Counsel and
Assistant Secretary

Jerome J. McGunnigle
Assistant Vice President

John P. Merker
Assistant Vice President

John M. Mitchell
Assistant Vice President

John W. Mitchell
Assistant Vice President

Kathleen O'Neill Paese
Assistant Vice President

Frances E. Sibley
Assistant Vice President

Harold E. Slingerland
Assistant Vice President

Leisa J. Spalding
Assistant Vice President and Assistant General Auditor

Robert James Taylor
Assistant Vice President

Jeffrey L. Wann
Assistant Vice President

David C. Wheelock
Assistant Vice President

Carl K. Anderson
Supervisory Officer

Barkley Bailey
Supervisory Officer

Diane B. Camerlo
Assistant Counsel

Michael J. Dueker
Research Officer

Joseph C. Elstner
Public Affairs Officer

Paul M. Helmich
Operations Officer

Joel H. James
Public Affairs Officer

Gary J. Juelich
Supervisory Officer

Visweswara R. Kaza
Operations Officer

W. Scott McBride
Assistant Counsel

Patricia S. Pollard
Research Officer

Kathy A. Schildknecht
Operations Officer

Philip G. Schlueter
Information Technology Officer

Harriet Siering
Operations Officer

Diane A. Smith
Information Technology Officer

Mark D. Vaughan
Supervisory Officer

Howard J. Wall
Research Officer

Sharon N. Williamson
Human Resources Officer

Glenda J. Wilson
Community Affairs Officer

Little Rock Office

Robert A. Hopkins
Vice President and
Branch Manager

William D. Little
Assistant Vice President

Todd J. Purdy
Assistant Vice President

Louisville Office

Thomas A. Boone
Vice President and Branch Manager

Ronald L. Byrne
Vice President

V. Gerard Mattingly
Assistant Vice President

Thomas O. Short
Assistant Vice President

Memphis Office

Martha Perine Beard
Vice President and Branch Manager

John G. Holmes
Assistant Vice President