Carol joined the bank staff as receptionist/secretary in 1975. During her years at the bank, she has also worked in the loan and deposit areas. In 1993 she was promoted to assistant vice president and in 1998 was named vice president. Presently her duties include: assisting the bank's chief executive officer and chairman of the board and serving as secretary to the Board of Directors for the bank and Holding Company.

After graduating from Gainesville High School, Carol attended Southwest Missouri State University for two years, majoring in business. She has also completed several banking courses through AIB.

Carol and her family are active members of Lilly Ridge General Baptist Church.

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