Marine Bank & Trust Company is the only locally owned bank which is headquartered on Vero Beach's barrier island. Marine Directors are prominent leaders and residents of Vero Beach.  The Bank's main office is located at 571 Beachland Boulevard and the Pelican Branch is located on the mainland at 1450 U.S. 1, both in Vero Beach. Because Marine is locally owned and operated, all decisions are made right here in Vero Beach to best accommodate the requirements of our customers.

Marine bankers have the highest integrity and are inherently compelled to be very responsive to customer requests. Marine's senior management possesses many years of diversified banking experience and has a solid and proven track record.

	Douglas E. Hazel Chairman of the Board Mr. Hazel brings over 20 years of banking experience as a shareholder and director of two banks. He is also an investor and developer of commercial and residential properties in Florida, Missouri and Minnesota.
	C. Andrew Lawrence Director, CEO & President Mr. Lawrence brings over 24 years as president and chief executive officer of community banks.  He is uniquely qualified in lending, trusts, operations and profit and loss responsibility as well as portfolio growth and market share development.
	Donald L. Ames, M.D. Director Dr. Ames’ illustrious medical career spans four decades.  He is founder and managing partner of the doctor's offices known as Indian River Medical Center and was a medical consultant for over 38 years for the Los Angeles Dodgers.  He was the first surgeon to perform arthroscopic surgery in Florida and a significant contributor to the local community.
	Wilton R. (Rusty) Banack Director Mr. Banack is a lifetime resident of Vero Beach.  He is a graduate of Vero Beach High School and Florida Southern College.  He is president of Quality Caretaking of Indian River, Inc. and owner/VP of Quality Fruit Packers of Indian River, Inc.  He is a member of the Florida Southern College Citrus and Horticultural Planning Advisory Committee and serves as co-chair of the United Way Agribusiness Division and alternate director of the Indian River Citrus League.
	William H. Chadwick Director Mr. Chadwick retired from a career in commercial banking, most recently as president and chief executive officer of Banknorth Group, Inc. (Vermont), a $4 billion multi-bank holding company with community banks in several states.  He previously served three years as a director of the Boston, Massachusetts Federal Reserve Bank.  He currently serves as elected trustee of the Indian River County Hospital District.  Mr. Chadwick is a graduate of Brown University, Providence, Rhode Island.
	David S. Croom Director Mr. Croom has been in the construction industry for over 35 years and is the president of Croom Construction Company of Vero Beach, which was founded in 1978.  He has served as chairman of the Board of Trustees of St. Edwards School, chairman of the Vero Beach Planning and Zoning Board, president of the Kiwanis Club of Vero Beach and president of the 100 Club of Vero Beach.  He has recently been elected (2006) to serve again on the Board of Trustees of St. Edwards School.  Mr. Croom received a degree in Industrial Engineering from the University of Georgia and a MBA from the University of Miami.

	Kevin J. Given Director Mr. Given brings over 17 years of experience in resort and private club/real estate development management.  He is a partner in several real estate investment companies, partner/owner of Med Express Urgent Care in Morgantown, West Virginia and chief operating officer of Quail Valley Golf & River Clubs here in Vero Beach.
	Charles H. Gould Director Mr. Gould is a lifetime Vero Beach resident and CPA with over 20 years of professional experience.  He is a 1984 graduate of Stetson University and founder of his own firm, Gould & Associates, P.A.
	Kirk W. Koehler Director Mr. Koehler brings over 23 years of commercial and residential real estate experience, including developing Citrus Medical Plaza, North River Medical building, The Atrium, and Bent Pine community.
	William J. Penney Director, Executive Vice President & Chief Lending Officer Mr. Penney came to Marine Bank & Trust in March 2004 after serving as Senior Vice President and Chief Lending Officer for Big Lake National Bank for several years.   He is the Marine’s Executive Vice President & Chief Lending Officer, overseeing all the lending functions of the bank.
	G. Russell Petersen Director Beginning as an engineer for NASA during the Apollo program, Mr. Petersen brings over 34 years of experience as a trial attorney and has his Vero Beach law firm, G. Russell Petersen, P.A.  In addition, he is a member of Federal & Supreme Court trial bars & appeals courts, has represented several school boards, and is active in the local community.
	George R. Slater Director Mr. Slater brings 45 years of banking experience, including serving as chairman, president and CEO of Wisconsin’s $5 billion Marine Corporation and later on as vice chairman and director of Bank One Corporation, now JP Morgan Chase.  Most recently, he founded Marine Bank & Trust Company and served as its first chairman/CEO from 1997 to 2002.  Prior to becoming a banker in 1960, Mr. Slater was an instructor of economics at Purdue University where he earned his doctorate.  He was an artillery officer during World War II, serving in the Pacific Theatre and Japanese occupation.

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C. Andrew Lawrence 
Chief Executive Officer & President
Mr. Lawrence started his banking career as an examiner for the Federal Reserve Bank of Chicago.  His twenty-four year community banking career as president and CEO has taken him from The Bank of Northfield, in Northfield, Illinois to Burling Bank in Chicago, Illinois.  Most recently, Mr. Lawrence was Senior Vice President/Senior Lender with First National Bank of South Florida located in Homestead, Florida.  Mr. Lawrence is a graduate of the University of Illinois with a B.S. degree in economics and a graduate of the Stonier Graduate School of Banking.

William J. Penney
Executive Vice President & Chief Lending Officer                                               Mr. Penney graduated from Florida Atlantic University in 1978 with a degree in Finance and graduated from the School of Banking of the South in 1984.  His banking career includes 18 years with Barnett Bank holding various management positions.  In 1996 he founded Penney Resources Incorporated, a financial and business development consulting firm specializing in sales and risk management programs for community banks.  Mr. Penney came to Marine Bank & Trust in March 2004 after serving as Senior Vice President and Chief Lending Officer for Big Lake National Bank for several years.   He is the Marine’s Executive Vice President & Chief Lending Officer, overseeing all the lending functions of the bank.

Steven C. Shackley
Executive Vice President, Chief Financial Officer & Chief Operations Officer
Mr. Shackley began his banking career in 1967 at Citizens Bank of Palm Beach County, Florida.  He later moved into the operations and finance department of First American Bank of Indian River County, serving for eight years as Vice President and Chief Financial Officer.  After First American was sold to SouthTrust Corporation in 1998, Mr. Shackley continued with the company as the Bank's branch financial officer and coordinator for a multi-county area.   He joined the Marine in June 2003 as the bank’s Executive Vice President, Chief Financial Officer & Chief Operations Officer.

Mary A. Cone
Vice President, Mortgages
Mrs. Cone is a native of Florida and a graduate of the American Institute of Banking and the Bert Rodger School of Real Estate.  She has taken numerous real estate courses and holds a real estate license and a Florida mortgage broker license.  Mrs. Cone has been in banking since 1968 and has been a resident of Vero Beach since 1981.  Prior to coming to the Marine in June 1997 as a Private Banker, Mrs. Cone held various management positions at PNC Bank, Harbor Federal Savings Bank and American Savings and Loan Association, all located in Vero Beach.  She formerly held the position of Branch Manager at the Marine and is currently the Vice President, Mortgage Banking.

Denise V. Finizio
Vice President and Branch Manager
Mrs. Finizio has over 11 years of experience in banking, beginning her career as a Teller with NationsBank in Daytona Beach. Over the past decade, she has held various branch management positions in St. Petersburg, Pinellas Park and Largo, Florida, as well as Phoenix, Arizona. Mrs. Finizio joined Marine Bank & Trust Company in January 2007, bringing with her a strong focus on excellent customer service and positive communication. She serves as Vice President and Branch Manager of the Pelican Branch, located on the mainland.

Georgia L. Irish
Vice President and Branch Manager
Ms. Irish has nearly 20 years in the banking industry, with 15 of those years as an Officer and Assistant Manager for First National Bank of Pa. She moved to Indian River County in 2003 from Erie, Pennsylvania and was the Assistant Vice President/Branch Manager of a local beachside bank before joining Marine Bank & Trust Company in January 2007. Ms. Irish serves as Vice President and Branch Manager of the beachside main office, overseeing branch operations, consumer lending, account servicing and business development.

Deric R. Meadows
Assistant Vice President/Information Technology

Karl L. Williams
Vice President, SBA & Commercial Loans
Mr. Williams has more than 25 years experience in banking.  He started his career in Erie, PA and moved to Florida in 1995.  His primary focus since 1987 has been commercial and SBA lending.  He is a graduate of Gannon University with a Bachelor's Degree in Business and a MBA in Finance.  He is also a graduate of the Central Atlantic School of Commercial Lending.  Mr. Williams has been active in commercial and SBA lending for 10 years on the Treasure Coast.  He joined Marine Bank in May of 2007 as Vice President, Small Business Administration (SBA) and Commercial Loans.

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