Your FSB Team

Board of Directors

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Current Board of Directors

First State Bank is owned by dedicated stockholders and directed by a board of nine directors. The directors of First State Bank are active business owners and respected community leaders in and around the area. The board members include: Chris H. Baxla, Chairman; Alan W. Foster, Vice Chairman; Matthew Greene; Roy (Spud) Gustin; Daniel R. Naylor; Michael P. Pell; Bill Shelby, David Richey and Tony Applegate.

Seated (L to R):
Bill Shelby, Chris Baxla,  Alan Foster,  David Richey

Standing (L to R):
Michael Pell, Daniel Naylor, Tony Applegate, Roy (Spud) Gustin, Matthew Greene

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Executive Team

Executive Team

Senior Management Team

Michael Pell
Michael Pell

President / Chief Executive Officer

Mike graduated from Morehead State University with a Bachelor of Business Administration and brings more than 30 years of banking experience to his role. Mike joined First State Bank in 2006 and is the President and CEO. Prior to First State Bank, Mike acted as a Vice President at Fifth Third Bank for more than two decades.

He is very involved in the local community and currently serves on several Boards including: First State Bancorp, FHLB Cincinnati, & Leadership Adams.  He was prior Chairman of the Ohio Bankers League (2018) , & Southern State Community College (2017).  Additionally, he serves as Elder at the Winchester Church of Christ in Christian Union. In his free time, Mike enjoys spending time with his wife and five children, golfing, hunting, fishing and serving with his church.

David Richey
David Richey

Executive Vice President / Chief Financial Officer

After earning a Bachelor's Degree in Accounting from Shawnee State University in 2002, David became a Certified Public Accountant in 2004. Starting his career at First State Bank as an internal auditor, two years later he moved into the role of CFO.

David is currently responsible for the accounting and finance functions of the bank including financial reporting, asset liability management, and budget and financial planning. Additionally, he oversees the bank's investment portfolio. In 2014, he was appointed to serve on the First State Bank Board of Directors. David currently serves on several local boards and is an active member of his church. Married with three children, he also enjoys helping with youth sports in his spare time.

Tim Grooms
Tim Grooms

Vice President / Chief Risk Officer

Tim attended Northern Kentucky University, earning a Bachelor's of Organizational Studies with a concentration in Industrial Labor Relations and an Associate of Applied Science. Tim began his banking career in 2002, is a Certified Community Bank Internal Auditor (CCBIA) and has held positions as Controller, Compliance Officer, BSA/OFAC Officer, CRA Officer, Internal Auditor, Office Manager, Loan Clerk, and Teller.

As Chief Risk Officer, Tim is responsible for ensuring the Bank maintains an adequate and effective Enterprise Risk Management program.

Tim serves on the Ohio Bankers League Next Generation Advisory Board and participates in several community groups. In his free time, Tim enjoys spending time outdoors and with his family.

Judd Johnson
Judd Johnson

Vice President / Retail Lending Manager

A graduate of Shawnee State University, Judd currently sits on the OVRDC Loan Review Committee. He also is a graduate of the OBL Bank Leadership Institute. In his free time, Judd enjoys coaching baseball and basketball and spending time with his wife and two children.

Chad Wilson
Chad Wilson

Vice President / Commercial Banking Manager

A graduate from the University of Cincinnati with a BBA in Finance, Chad has more than ten years of banking industry experience. Chad joined First State Bank in 2008 and over the years has led the business development division which includes developing and maintaining client relationships as well as increasing bank net income, loan production, deposits, merchant services, and all other banking products. In 2014, Chad was named Commercial Banking Manager and oversees all commercial banking activities. In 2015, Chad was named Vice President. In his free time, Chad enjoys spending time with his family, anything sports- related and being active in his church.

Daniel Ferguson
Daniel Ferguson

Vice President / Chief Information Officer

In addition to being a Certified Professional in CompTIA A + and CompTIA Network +, Dan also has an Associate's Degree in Computer Information Technology. Joining First State Bank in 2006, Dan brings more than 15 years of IT experience to his role. Over the years, he has worked in different sectors ranging from hospitality, to health care, to finance. Throughout his career, he has facilitated customer service and leadership initiatives and managed networks and telecommunication systems ranging in size and geographic location. In 2015, Dan was named Assistant Vice President.

In his free time, Dan enjoys spending time outdoors with his kids, target shooting and hunting. He is also an avid sports fan, enjoying both football and ice hockey.

Bradley Jones
Bradley Jones

Vice President / Credit Manager

Bradley is a graduate of The Ohio State University with a Bachelor of Science in Business Administration degree and a major in accounting. He brings more than 20 years of banking experience to First State Bank. In 2015, Jones graduated from the Bank Leadership Institute at the Ohio Bankers League. An employee since 2006, Bradley and manages the credit department and in 2015 he was named Assistant Vice President. In his spare time, Bradley enjoys coaching soccer and basketball and being an active member of his church.

Ellie Zint
Ellie Zint

Vice President / Marketing / Retail Banking Manager

A graduate of the University of Michigan, Ellie brings more than 15 years of advertising and marketing experience to her role. She attended Loyola University Chicago Graduate School of Business and graduated with a MBA in Marketing. Over the years, she has provided advertising and marketing services to a variety of corporate clients. In 2013, Ellie joined the First State Bank team as Marketing Manager and is responsible for marketing, advertising and public relations.In 2018, she was named Marketing/Retail Banking Manager. A resident of Highland County, Ellie currently serves on local boards and is an active member of her church. In her free time, she enjoys traveling and spending time with her husband and two children.

Tom Kizer
Tom Kizer

Assistant Vice President / Mortgage Operations / Indirect Manager

A graduate from Shawnee State University, Tom brings more than 20 years of financial industry experience to his position. He began his career in retail banking and then later moved into consumer lending. While in consumer lending, he managed a total of 320 professionals and was responsible for the underwriting and processing of requests from 3,500 branches which included auto, home equity and 1st mortgage loans. In 2014, Tom was named the Indirect/Consumer Banking Manager and 2018 he was named Mortgage/Operations/Indirect Manager. In his free time, Tom enjoys spending time with his wife and four children, cycling, hiking and golf, and taking an annual family vacation to Disney World in Florida.

Shalana Shreffler
Shalana Shreffler

Assistant Vice President / Human Resources Manager

A native of Naples, Florida, Shalana graduated from Barron Collier High School and went on to attend Southern State Community College. Shalana joined the First State Bank team in 2008 as a Customer Service Representative in Mt. Orab. In 2010, she was transferred to the Winchester location and two years later she was promoted to Office Manager. In 2014, she was named Executive Assistant to CEO Mike Pell and CFO David Richey. In 2015, she was appointed to serve the Board of Directors and shareholders in an administrative capacity. In 2017, she was named the Human Resources Manager. Shalana is a 2016 graduate of the Leadership Adams program and 2018 graduate of the Ohio Banker’s League Bank Leadership Institute. Shalana was appointed Secretary of First State Bank by the Board of Directors in March 2019. In April 2019, Shalana graduated the Graduate School of Banking Human Resources. In her free time she enjoys spending time with her family, husband, and her dogs, and spending as much time as possible outside in the summertime.

Operations

Becky Sanders
Becky Sanders

Controller

A lifelong resident of Adams County, Becky is a graduate of Peebles High School and Shawnee State University. While at Shawnee, she earned a Bachelor's of Business Administration and an Associate Degree in Accounting. Becky joined the First State Bank team in 2014 and brings more than 22 years of healthcare finance experience to her role as Controller. Her responsibilities include overseeing the accounting functions of the bank. Becky is an active member of the Peebles United Methodist Church and is very involved with the Christian Youth Sports Program. In her free time, she enjoys spending time with her children, family and friends, traveling and being outdoors.

Betsy Hesler
Betsy Hesler

Internal Auditor

A lifelong resident of Adams County, Betsy grew up in Seaman and currently lives in West Union. She graduated from North Adams High School and went on to earn Bachelors and Master’s degrees in Accounting from the University of Cincinnati. Betsy became a Certified Public Accountant (CPA) in 2006. In 2018, Betsy joined the First State Bank team as Internal Auditor and she brings 14 years of tax and accounting to her role. She is an active member of her church and helps out as an assistant coach for her kids’ soccer teams.  Betsy enjoys spending time with her family and friends, watching her boys play sports and participate in 4-H. In her free time, Betsy and her family raise market lambs on their family farm.

Debra Donovan
Debra Donovan

Card Program Manager

A graduate of Princeton High School, Debra began her banking career in 2005 and joined the First State Bank team in 2008. Debra started as a customer service representative and later moved into internal audit position, as she is a Certified Community Bank Internal Auditor (CCBIA). In 2013, Debra was named branch coordinator/sales ambassador for First State Bank. In 2016, she was named Card Program Manager and will oversee all activity associated with banking cards. In her free time, she enjoys working in her herb garden, reading, cooking and spending time with her husband and family.

Pam Shreffler
Pam Shreffler

Deposit Operations Manager

After graduating from North Adams High School, Pam went on to earn an Associate's degree from Southern State Community College. Pam also attended banking school in Athens, Ohio and is an AAP Accredited ACH Professional.

Pam has worked for First State Bank for more than thirty years. In her free time, Pam serves as a 4H advisor and is an active member of the Seaman United Presbyterian Church. She also enjoys gardening, reading, the great outdoors and spending time with her family.

Rachel Barr
Rachel Barr

Compliance Manager

Originally from Georgetown, Rachel currently lives in Mt. Orab. She graduated from Georgetown High School and went on to obtain her Bachelors of Science in Business Administration from Xavier University. Rachel has worked in many different capacities of banking; including retail banking, consumer loan servicing and regulatory compliance. She joined the First State Bank team in 2017 and in 2018 was named Compliance Manager. In her free time, Rachel enjoys spending time with her husband and daughter, traveling, attending sporting events and concerts.

Ryan Brewer
Ryan Brewer

Financial Analyst

A graduate of West Union High School, Ryan attended Shawnee State University and graduated with a Bachelor’s Degree in Accounting.  Ryan started his career in banking with First State Bank in 2010 as a customer service representative. He went on to complete the management trainee program and in 2015 he was named Internal Auditor. In his current role, he is responsible for all audit-related activities at the bank and in 2018 he was named Financial Analyst. In his free time, he enjoys spending time with his wife and daughter, fishing, attending sporting events, and coaching youth basketball.

Loan Management

Adam Poole
Adam Poole

Loan Operations Manager / Property Management

After graduating from Manchester High School, Adam earned a BA in Business Economics from the University of Cincinnati. After spending some time in the real estate market, Adam joined First State Bank in 2003. He currently acts as the manager for loan operations at the bank.Starting in 2018, he will also head up Property Management for the bank. In his free time, Adam enjoys golfing, hunting, coaching his son's baseball and basketball teams, spending time with family, attending sporting events and traveling.

Dee Fitzpatrick
Dee Fitzpatrick

Commercial Relationship Manager

Dee attended Southern State Community College and joined the First State Bank team in 2001. Over the years, Dee has worked as a customer service representative, office manager, banking center manager and loan officer. She served as the West Union Banking Center Manager for four years. In 2016, she was named Commercial Relationship Manager, where she will be responsible for credit analysis, loan underwriting and managing commercial loan relationships. Dee is a graduate of Leadership Adams. When not working, Dee enjoys spending time with family and friends, any outdoor activity and reading.

Jeff Ratliff
Jeff Ratliff

Residential Mortgage Banking Manager

A lifelong resident of Brown County, Jeff attended Morehead State and brings more than 30 years of banking experience to his position. In his role, he will oversee all residential mortgage banking for the bank. Jeff  serves as a Board Member for the Brown County MRDD Housing Alternatives and the Local Southern Ohio Ag and Community Development Foundation. He is also the President of the Adams/Brown Sportsman Club through the Quail Forever Organization. In his free time, Jeff enjoys spending time with his family, farming and hunting.

Leslie Downing-Jones
Leslie Downing-Jones

Indirect Lending Specialist

A graduate of North Adams High School and Southern State Community College, Leslie joined First State Bank in 1994. Over the years, she has gained experience as a teller, office manager and banking center manager. She has worked as a loan officer for 15 years and enjoys working on all types of loans including car, personal and commercial loans and mortgages. Leslie is an active supporter of local charitable causes and enjoys spending time with her husband and two daughters, antique shopping, walking and working out.

Business Development

Ann Marie Hagerty
Ann Marie Hagerty

Business Development

A graduate of Our Lady of Angels High School, Ann Marie attended the University of Cincinnati and Xavier University and graduated with an Associate’s Degree in Business Management. Ann Marie joined First State Bank in 2016 and she brings more than 30 years of banking experience to her position. Ann Marie leads Business Development in Hamilton County and is responsible for business growth in all areas of the bank. She is an active member of her community and serves on the St. Bernard Marketing Committee and is active with the Stepping Stones organization. In her free time, she likes playing golf, hiking, biking, snow skiing and she enjoys home rehab and stain glass projects.

Corey Richmond
Corey Richmond

Business Development

Born and raised in Adams County, Corey currently lives in Cherry Fork. A graduate of West Union High School, Corey graduated from Northern Kentucky University with a Bachelors in Sports Business and a minor in Business Administration. Corey started at First State Bank team in 2015 and began his career in the management trainee program and then started working in the Indirect Lending department. In 2018, he joined the Business Development team, where he will mainly focus on Maysville and the Northern Kentucky area. In his free time, Corey enjoys spending time and traveling with his fiancé, being with friends and family and anything outdoors and sports related.

Gerry Schumacher
Gerry Schumacher

Business Development

After obtaining an Associate's Degree in Science from the University of Cincinnati Tri-County Academic Center, Gerry went on to earn a Bachelor of Science Degree in Agriculture from Morehead State University and later also received a general banking certificate from the Ohio School of Banking at Ohio University of Athens. With more than 35 years in the banking industry, Gerry has worked in all departments of the bank. In addition to acting as the Ripley Banking Center Manager, Gerry is involved in many civic organizations throughout Brown and Mason Counties. In 2015, he was named the Manager of the Georgetown and Ripley Banking Centers.In 2018, Gerry will lead Business Development in Brown County and Maysville, KY. In his free time, he enjoys spending time with his wife and daughter and working with his father and brother on their family farm.

Greg Woods
Greg Woods

Business Development

Greg is a lifelong resident of Ross County. He graduated from Huntington High School and went on to attend Southern State Community College. He brings over 20 years of banking experience to his role. He joined the First State Bank team in 2021 and as a Business Development Officer. In his role, he will focus on commercial lending in Ross County and the surrounding area. 

Greg has served on several local boards and is currently the chairperson of Big Brothers / Big Sisters of South-Central Ohio, a member of First Wesleyan Church, and served as a high school basketball official for nearly two decades. He is also involved with Junior Achievement. Greg’s hobbies include spending time with his wife, Laurie and two sons, Trevor and Corey and dog, Abigail. He also enjoys golf and other sports-related activities.

Joe Martin
Joe Martin

Business Development

A graduate of Ironton Saint Joseph High School, Joe went on to attend Ohio University, as well as Marshall University for AIB classes. Joe resides in Ironton, Ohio and brings more than 35 years of experience to his role as Business Development Officer for First State Bank. He has spent 30 years in senior banking management, and has experience with collections, banking center administration and retail and mortgage lending. Joe’s hobbies include, fishing and coaching girls’ softball.

Mark Webb
Mark Webb

Business Development

Mark, a native of West Virginia, graduated from Oak Hill High School and went on to obtain his bachelor’s degree in Business Management from West Virginia University. He now resides in Wheelersburg Ohio, and has worked in the tri-state area for over 20 years. Mark brings over 21 years of banking experience and has managed banking centers in both Kentucky and West Virginia. He has spent the last eight years focusing on business development in West Virginia, Ohio and Kentucky. In his free time, Mark enjoys exercising, spending time outdoors, and watching different types of genres of movies.

Scott Holmer
Scott Holmer

Business Development

Scott has been a resident of Clinton County for 40 years and brings 35 years of commercial banking experience to his role. Scott is a graduate of Wilmington High School, Xavier University and Southern State Community College and the Leadership Clinton Institute. He is very active in the community, serving as the Treasurer of the Healthfirst Foundation of Clinton County and acting as a board member for the Clinton County Foundation, the Murphy Theatre and Energize Clinton County. In his free time, Scott enjoys daily walks with his wife, golfing, and following his favorite sports teams: Xavier Men's Basketball, Ohio State Football, and the Cincinnati Bengals and the Cincinnati Reds.

Tyler Crum
Tyler Crum

Business Development

A native of Johnson County, Kentucky, Tyler graduated from Johnson Central High School and went on to attend Big Sandy Community and Technical College. In 2014-2015, Tyler completed the Kentucky Bankers Association General Banking School as well as the Kentucky Bankers Association Commercial Banking School. In 2018, Tyler went on to complete the American Bankers Association Advanced Commercial Lending School at Southern Methodist University in Dallas, Texas.  Tyler has been a member of the Paintsville Kiwanis Club since 2013, serving two terms as club President and a member of the board. Tyler has completed many leadership programs including Leadership Johnson County, Leadership Southeast Kentucky, the KBA Emerging Leaders program, and the Patton Leadership Institute Class of 2019. Tyler joined the First State Bank team in 2021 as a Business Development Officer, bringing nearly ten years of commercial banking experience to his role. In his free time, Tyler enjoys spending time with his family, playing golf and is also a car enthusiast. Tyler and his wife, Morgan, just welcomed their first son (Mark) into the world in April 2021.

Regional Relationship Management

Amy Howard
Amy Howard

Regional Relationship Manager

A graduate of North Adams High School, Amy joined the team at First State Bank in 1988. Over the years, she has gained experience working in many different capacities at the bank. In 2009, she was named Banking Center Manager of the Seaman location and in 2016 she was named West Union Banking Center Manager.In 2018, she was named Regional Relationship Manager, where she will focus on West Union and Manchester in Adams County. In her free time, Amy enjoys helping her daughter coach junior high cheerleading and spending time with her family.

Diana Setty
Diana Setty

Regional Retail and Relationship Manager

A graduate of Peebles High School, Diana went on to attend Southern State Community College and American Intercontinental University. In 2006, she joined the team at First State Bank. Over the years, she has worked at the company in a variety of roles including customers service, loan support, employee training and banking center management. Diana serves on multiple boards including, Cherry Ridge Therapeutic Learning Program, Grow! Highland County, Festival of the Bells, and the Highland County Chamber of Commerce. In her free time, she enjoys spending time with family and friends, playing tennis, running, hiking and outdoor activities.  

James Ayers
James Ayers

Regional Retail and Relationship Manager

A graduate of Eastern Kentucky University, as well as the Graduate School of Banking at the University of Wisconsin,  James also earned a certificate in Bank Executive Leadership from the University of Virginia Darden School of Business. James brings more than 20 years of banking experience and over the years, he has overseen Credit Administration, Enterprise Wide Risk Management, Finance, Fair Lending, Deposit Compliance, Commercial Lending and Security. He will join the First State Bank team as a Regional Retail and Relationship Manager for the Kentucky market. 

A current resident of Inez, Kentucky, James will also be receiving his MBA from the University of Kentucky and the University of Louisville. He is a member of the Kentucky Bankers Association Governmental Affairs Committee, a board member of One East Kentucky, and a board member of the Highlands Foundation.  In 2017/2018, James was recognized as an emerging leader by the Kentucky Bankers Association. In his free time, James enjoys spending time with his wife Keli, learning about history, reading, and traveling. 

Mark Richards
Mark Richards

Regional Relationship Manager

After graduating from Buckeye Valley High School in Delaware, Ohio, Mark spent five years serving in the United States Navy. He started his career in banking in 1979 and brings more than 30 years of experience to his position. In 2005, Mark attended the Graduate School of Banking in Madison, Wisconsin.In 2014, Mark was named the Banking Center Manager in Washington Court House and in 2018, he was named the Regional Relationship Manager in Fayette County. In addition to his role at FSB, Mark also is active in many civic organizations in the community. In his spare time, Mark enjoys spending time with his family, watching his daughters in track and tennis and playing golf.

Nick Brown
Nick Brown

Regional Relationship Manager

After attending North Adams High School, Nick went on graduate from Franklin University with a degree in Business Administration. Over the years, Nick has worked in many different capacities of banking; including customer service, collection, loan origination, compliance and management. He joined the First State Bank team in 2013 as the compliance manager and in 2018 was named Regional Relationship Manager, in Brown County with a focus on the Mt. Orab area. In his free time, Nick enjoys spending time with his wife and family and watching his children in various sporting events such as wrestling, cheerleading, softball, and football . Nick also volunteers as a softball coach and serves on the youth softball board in Mt. Orab.

Ryan Unger
Ryan Unger

Regional Relationship Manager

Born and raised in Winchester, Ohio, Ryan is a graduate of North Adams High School. He went on to earn an Associate’s Degree from Southern State Community College. He joined the FSB team in 2010 as a customer service representative at the Peebles banking center. In 2011, he transferred to the Georgetown location and in 2016 he was named Office Manager. In 2017, Ryan was named Banking Center Manager of Georgetown. In 2020, he was named Regional Relationship Manager, where his focus will be in Georgetown and Ripley.

Ryan is involved in the community and is the coach of the Boys Basketball team at North Adams Jr. High School and volunteers as a student mentor at Eastern Middle School and Georgetown Schools.  In his free time, he enjoys spending time with his wife Hannah and daughter Kynnady, coaching, Cincinnati Reds games, going out to eat with friends, collecting sports memorabilia and watching movies/TV series.

Banking Center Management

Amy Smith
Amy Smith

Inez Banking Center Manager

A lifelong resident of Lovely, Kentucky Amy graduated from Sheldon Clark High School. She went on to obtain her Bachelors in Business Administration from Alice Lloyd College. She is also a graduate of the Kentucky Bankers Association General Banking School. Amy has more than a decade of banking experience and started her banking career as an intern working in bookkeeping and later branching out into marketing, community relations, and online banking.

Ashlee Howard
Ashlee Howard

Peebles Banking Center Manager

A graduate of North Adams High School, Ashlee started her career with First State Bank in 2015 part-time as a Customer Service Representative in West Union. In 2016, she was named Floating Customer Service Representative and Trainer. In 2017, she transferred to Lead Customer Service Representative in Peebles. In 2019, Ashlee was promoted to the Peebles Banking Center Manager. During her free time, Ashlee likes spending time with her family, friends, and dog Zeus. She also enjoys traveling and reading.

Austin Doss
Austin Doss

Fayetteville Banking Center Manager

A graduate of Eastern High School, Austin started his career with First State Bank in 2018 part-time as a Customer Service Representative in Hillsboro and later took on a full-time role. In 2019, he was named Lead Customer Service Representative in Fayetteville. In 2021, Austin was promoted to the Fayetteville Banking Center Manager. Austin currently resides in Mount Orab with his wife and is an active member in his church. In his free time he enjoys spending time with family, and golfing.

Billie Rae Henry
Billie Rae Henry

Mt. Orab Banking Center Manager

Originally from Bethel, Ohio and a graduate from Bethel Tate High School, Billie Rae has been a resident of Mt. Orab for the last 20 years.  Billie Rae joined the FSB team in 2015 as Head Customer Service Representative in Mt. Orab and brought several years of banking experience to her role. In 2016, she was named Office Manager in Mt. Orab and in 2018, she was named Banking Center Manager in Mt. Orab. Billie Rae enjoys being involved with the community and has coached Western Brown Pee Wee Cheerleading and has volunteered with Junior Achievement and United Way.  She has also served as a mentor at the Mt. Orab Middle School. In her free time, Billie Rae is very involved with her children’s activities, including her daughter’s cheer competitions, and she also enjoys attending fitness classes and spending time outdoors and with her family.

Cameron Marsh
Cameron Marsh

Wilmington Banking Center Manager

A graduate of Hillsboro High School, Cameron went on to attend Wilmington College to obtain his Bachelors in Business Administration. He currently resides in Wilmington with his wife and three children. Cameron brings over 16 years of banking management experience to his role. In his free time, he enjoys spending time with family, attending his children’s sporting events, golfing, fishing and watching his favorite sports teams.

Casey Mozingo
Casey Mozingo

Banking Center Manager / Developer

Originally from Fayetteville, Casey now resides in Lynchburg. He graduated from Fayetteville High School, and went on to attend The Art Institute of Cincinnati.  Casey brings 20 years of experience in operations, human resources, and management to his role. In 2018, he joined the First State Bank team as Banking Center Manager/Developer where he is responsible for management as well as developing customer service focused initiatives. In his free time, he enjoys spending time with his wife and their 4 daughters. His hobbies include hunting and fishing.

Danielle Cochran
Danielle Cochran

Wilmington Customer Service Manager/ Loan Officer

Originally from DeGraff, Ohio in Logan County, Danielle graduated from Riverside High School in 2010. She then went on to obtain her Bachelor’s Degree in Agriculture Business with an Agronomy focus from Wilmington College. Danielle started her career with First State Bank in 2018 as Lead Customer Service Representative in Wilmington and was promoted to the Fayetteville Banking Center Manager in 2019. In 2021, she was named Customer Service Manager/Loan Officer in Wilmington. During her free time, Dani likes going on runs, taking on house projects, and spending time with her husband and two children.

Debbie Horn
Debbie Horn

Warfield Banking Center Manager

A native of Warfield, Kentucky, Debbie graduated from Sheldon Clark High School. She started in 2019 as a Customer Service Representative and in 2020 was promoted to Lead Customer Service Representative. In 2021, Debbie was named Banking Center Manager of the Warfield location. In this role, she oversees the operations of the banking center and focuses on loan and deposit growth in Warfield and the surrounding area. In her free time, Debbie enjoys bowling.

Diane Cohorn
Diane Cohorn

Georgetown Banking Center Manager

A graduate of Western Brown High School, Diane started her career at First State Bank in 2014 as a part time Customer Service Representative, and not long after became a full time Customer Service Representative in Georgetown. In 2017, she was promoted to the Lead Customer Service Representative in Georgetown. In 2019, she was promoted to Banking Center Manager. In her free time, Diane enjoys spending time with her family, watching her sons sporting events, and being outdoors.

Doris Parsley
Doris Parsley

Louisa/Yatesville Banking Center Manager

A resident Fort Gay WV, Doris graduated from Fort Gay High School. She continued her banking education at Ashland Community Technical College. Doris brings nearly 40 years of banking experience to her role and over the years she has worked as a customer service representative, BSA Officer, Loan Officer, Branch Manager, and Senior Vice President. Doris joins the First State Bank team as the Banking Center Manager of the Louisa and Yatesville locations.

Doris is active in her church as well as the Louisa Rotary Club. She enjoys spending time with her two children and six grandchildren. Her hobbies include working in her flower garden, watching her grandchildren, and attending all of their activities.

Karen Cassidy
Karen Cassidy

Washington Court House Banking Center Manager

A lifelong resident of Washington Court House in Fayette County, Karen is a graduate from Washington Senior High. Karen brings more than 30 years of banking experience to her role. In 2014, she joined First State Bank as Office Manager in Washington Court House and in 2018, she was named Banking Center Manager. Karen serves as Treasurer of the Fayette County Chamber of Commerce and in her free time she enjoys spending time with her family and friends.

Nikki Jodrey
Nikki Jodrey

Winchester Banking Center Manager

Nikki has been a resident of Adams County for 32 years and brings 19 years of customer service experience to her role. Nikki enjoys being involved with the community and volunteering whenever she can. Nikki joined the First State Bank team in 2016 as a Customer Service Representative in Ripley. In 2018, she was transferred to the Hillsboro location as the lead Customer Service Representative and 2019 she was named Customer Service Manager. In 2021, Nikki was promoted to the Winchester Banking Center Manager. In her free time, Nikki is very involved with her children’s activities she also enjoys spending time with her family, traveling and going to concerts.

Pam Douglas
Pam Douglas

Manchester Banking Center Manager

After graduating from Manchester High School, Pam went on to attend the Ohio Banker Association, Ohio School of Consumer Credit. Pam brings more than 30 years of banking experience to her role. Pam spent 10 years at Civic Savings Banking before joining the team at First State Bank in 1991. Over the years, Pam acted as a loan officer before becoming the Banking Center Manager in Winchester, and later in West Union. In 2008, she moved into her current role in Manchester.

In her free time, Pam enjoys spending time with her family and attending her grandchildren's ballgames and cheerleading competitions. She also loves traveling, reading and shopping.

Paula Trapp
Paula Trapp

Ripley Banking Center Manager

Originally from Ripley, Paula is a graduate of Ripley-Union-Lewis-Huntington High School and went on to attend Maysville Community College.  Paula brings several years of banking experience to her role. She started as a Customer Service Representative at the Ripley Banking Center and then was promoted to the Head Customer Service Representative and in 2015 she was named Office Manager. In 2018, she was named Banking Center Manager of the Ripley Banking Center. One of her favorite thing about her position is that she can work in her hometown and interact with all of the customers that she has come to know very well.

Paula is involved in the community and is a member of the Maysville Rotary Club and a mentor at the RULH Middle School through the Brown County Community Connectors Project. She also helps as scorekeeper for both of her children’s baseball teams. In her free time, Paula enjoys playing with her children and dogs, attending fitness classes with friends, cooking, reading, hiking, gardening and watching her children playing sports.

Roselee Caraway
Roselee Caraway

Corporate Training Coordinator

A lifelong resident of West Union, Ohio, Roselee currently resides in Franklin Furnace, Ohio. Roselee graduated from West Union High School and went on to obtain her Associates from Southern State Community College. She graduated with her Bachelors in Business Administration in May of 2019 from American Public University. Roselee joined the FSB team in 2016 as a Full-time Customer Service Representative, bringing years of customer service experience to her role. In 2018, she was named Banking Center Coordinator and in 2019, she was named Corporate Training Coordinator where she will be responsible for delivering all training to front-line staff while also acting as a liaison between employees and all departments through the organization. In her free time, Roselee enjoys spending time with her husband Travis and their two Great Danes, watching Duke NCAA basketball, and traveling.

Tara Pendell
Tara Pendell

Hillsboro Banking Center Manager

A graduate of Hillsboro High School, Tara went on to obtain her bachelors in fine arts from Shawnee State University. Tara brings several years of banking and lending experience to her role at First State Bank and is excited to serve customers in Highland County. Her hobbies include coaching her children’s sports teams, as well as playing and watching sports and spending time with her husband and two children. Tara serves on the Hillsboro Festival of the Bells board, and is the treasurer for the Liberty Park little league in Hillsboro.

Vanessa Leonard
Vanessa Leonard

West Union Banking Center Manager

A lifelong resident of Adams County, Vanessa graduated from Manchester High School and went on to attend Southern State Community College.She joined the team at First State Bank in 2012 as a Customer Service Representative in West Union. In 2014, she was promoted to Consumer Loan Processor and in 2016 she decided to join the mortgage side of banking and became a Mortgage Loan Processor. In 2017, Vanessa was named Banking Center Coordinator, where she will be responsible for acting as the training and customer service liaison across all of the First State Banking Centers. In 2018, she was named Banking Center Manager/Developer, where she was  responsible for management as well as developing customer service focused initiatives. Later this same year, Vanessa was named Banking Center Manager of the West Union location. In her free time, Vanessa enjoys spending time with her family, being outdoors and watching her son race motocross.

Whittnie Edingfield
Whittnie Edingfield

Seaman Banking Center Manager

A graduate of West Union High School, Whittnie started her career at First State Bank in 2004. Over the years, she has worked as a Call Center Representative and as a Customer Service Representative at multiple banking center locations. In 2015, she was promoted to Office Manager of the Seaman Banking Center and then in 2016 became the Office Manager of the West Union Banking Center. In 2017, she was named the Banking Center Manager of Seaman. In her free time, Whittnie enjoys spending time with her husband and young son and her family and friends.