couple on top of a mountain shaking raised hands

Our Team and Directors

Online Banking


Jan D. Ridgely,  Chairman of the Board

Jan Ridgely is the current President & CEO of Citizens National Bank. He began his employment in 1986 and was named President in 1999. He was appointed to the Board of Directors in 1999 and named Chairman of the Board in 2016.

David Broster, 
David Broster is a grain farmer in Edwards County. He was appointed to the Board of Directors in 2004.

Randall Longbons, 
Randall Longbons is a local farmer and was appointed to the Board of Directors in 2007.

Richard H. Wolfe, 
Richard H. Wolfe is a Vice President employed at Citizens National Bank of Albion. He began his employment in 1998 and was appointed to the Board of Directors in 2016.

Davis Messman, 
Davis Messman owns a local farming operation and was appointed to the Board of Directors in 2018.

Dr. Lawrence Speir, 
Dr. Lawrence Speir owns and operates Speir Chiropractic in Albion. He was appointed to the Board of Directors in 2018


Our Team of Professional Bankers

Albion - Main Office

Jan D. Ridgely, President & CEO

Kevin R. Smerdon, Vice President & Senior Lending Officer & Secretary to the Board

Richard H. Wolfe, Vice President, Bank Security Officer & Lending Officer

Lois Fewkes, Vice President & Lending Officer

Sharon Mason, Assistant Vice President, Cashier & Lending Operations Officer

Beth Seals, Assistant Vice President, Bank Secrecy Officer & Information Security Officer

Christina Cowling, Assistant Vice President & Deposit Operations Officer

Sharon York, Assistant Vice President & New Accounts Specialist / IRA Administrator

Kelly Fryman, Assistant Vice President & New Accounts Specialist

Mindy Henton, Assistant Vice President & Information Technology Officer

Abby Shelton, Assistant Vice President & Customer Service Officer

Nathan Utley, Ag Lending Officer

Gina Simms, Compliance Officer

Debbie Fisher, Electronic Banking Officer

Tonya Headley, Human Resource Officer

Aubrey Seibert, Lending Officer

Averi Goodman, Marketing & CRA Officer

Dena Moore, Administrative Assistant

Kim Thompson, Administrative Assistant

Libby Bunting, Lending Operations Representative

Deborah Beadles, Assistant Security Officer & Customer Service Representative

Yvonne Etzkorn, Customer Service Representative

Katelynn Fishel, Customer Service Representative

Izzy McGarvey, Customer Service Representative

Victoria Walker, Customer Service Representative

Karen Fritchley, Assistant Deposit Operations Officer

Kensie Alexander, Deposit Operations Representative

Lindsay Cowling, Deposit Operations Representative

Harley Lear, Deposit Operations Representative

Whitney Leek, Deposit Operations Representative

Rebekah Robinson, Deposit Operations Representative

Glenna Summers, Electronic Banking Specialist & Customer Service Representative

Martha Bruce, Part-time Customer Service Representative

Janet Peach, Part-time Receptionist

Janitorial Staff

Kathy Beadles

David Harris

Olney Banking Center

Amy Kirby, Assistant Vice President & Branch Manager

Lora Kocher,  Assistant Vice President & Lending Officer

Deanna Kabbes, Administrative Assistant

Jill Weiler, Customer Service Representative

Jacqueline Hesser, Customer Service Representative

Dorothy Zwilling, Customer Service Representative

Mt. Erie Banking Center

TIna Stopher, Branch Manager

Huleana Smith, Customer Service Representative

Janice Brown, Customer Service Representative

Colton Speir, Part-time Customer Service Representative

Beverly Bass, Part-time Customer Service Representative

Crossville Banking Center

Cindy Hodgson, Assistant Vice President, Branch Manager & Lending Officer

Tiara Richardson, Administrative Assistant

Lori Cullison, Customer Service Representative

Angie Phelps, Customer Service Representative

Laken Harrington, Part-Time Customer Service Representative

Morgan Pringle, Part-Time Customer Service Representative

Bridgeport Banking Center

Lynn Jacobsen, Assistant Vice President & Branch Manager

Billy Gray, Lending Officer

Stacy Lockhart, Administrative Assistant

Kimberly Conover, Customer Service Representative

Karen Drummond,  Part-time Customer Service Representative

Lawrenceville Banking Center

Greg Lewis, Assistant Vice President & Branch Manager

Peggy Volkman, Administrative Assistant

Kourtney Loudermilk, Customer Service Representative

Jessica Carrithers, Customer Service Representative

Katie Stovall, Customer Service Representative