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.

Ryan Jones, is a Partner, Secretary/Treasurer at Rural King in Olney. He was appointed to the Board of Directors in 2022.

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

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

Kelly R. (Andrews) Wolfe is a Lawrence County, Illinois native and resides in Albion. She has worked in Healthcare Administration for most of her career.  Her last position was Director of Operations for a Rural Healthcare Clinic that served Edwards, Wayne and White Counties.  She was appointed to the Board of Directors in 2022.

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.





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

Sharon Groff, Vice President, Cashier & Lending Operations Officer

Christina Cowling, Vice President & Operations Officer

Abby Shelton, Vice President & Comptroller

Tonya Headley,  Vice President, Human Resource Officer & Holding Company Secretary

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

Averi Goodman,  Assistant Vice President, Marketing Officer & CRA Officer

Karen Fritchley, Assistant Vice President & Deposit Operations Officer

Debbie Fisher, Assistant Vice President, Electronic Banking Officer & BSA Officer

Aubrey Seibert, Assistant Vice President & Lending Officer

Colton Speir, Assistant Vice President & Ag Lending Officer

Wyatt Hatcher, Lending Officer

Gina Simms, Compliance Officer

Katelynn Etheridge,  Assistant Comptroller

Nick Leighty, Information Technology Officer

Libby Bunting, Assistant Cashier & Lending Operations Representative

Caitlynn Metcalf, Lending Operations Representative

Rebekah Robinson, New Accounts Specialist

Dena Moore, Administrative Assistant

Kim Thompson, Administrative Assistant

Harley Lear, Electronic Banking/BSA Representative

Natalie Baker, Customer Service Representative Supervisor/Albion

Yvonne Etzkorn, Customer Service Representative

Izzy McGarvey, Customer Service Representative

Karisa Bosecker, Customer Service Representative

Maddie Gentz, Part-Time Customer Service Representative

Makenze Bell, Deposit Operations Representative

Whitney Short, Deposit Operations Representative

Emily Jefferson, Deposit Operations Representative

Becca Burton, Deposit Operations Representative

Keshia Rogers, Deposit Operations Representative

Debbie Beadles, Part-time Receptionist


Olney Banking Center

Amy Kirby, Assistant Vice President, Branch Manager & Lending Officer

Lora Kocher,  Assistant Vice President & Lending Officer

Deanna Kabbes, Administrative Assistant

Jill Kessler, Customer Service Representative

Jacqueline Hesser, Customer Service Representative

Dorothy Zwilling, Customer Service Representative

Mt. Erie Banking Center

Tina Stopher,  Assistant Vice President, & Branch Manager

Huleana Smith, Customer Service Representative

Janice Brown, Customer Service Representative

Beverly Bass, Part-time Customer Service Representative

Eva McCracken, Part-Time Customer Service Representative


Crossville Banking Center

Tiara Richardson, Assistant Vice President & Branch Manager

Austin Rahmoeller, Assistant Vice President & Lending Officer

Lori Cullison, Customer Service Representative

Angie Phelps, Customer Service Representative

Morgan Pringle, Part-Time Customer Service Representative

Barbara Howard, Part-Time Customer Service Representative

Bridgeport Banking Center

Billy Gray,  Assistant Vice President, Branch Manager & Lending Officer

Stacy Lockhart, Administrative Assistant

Kimberly Conover, Customer Service Representative

Kourtney Loudermilk, Customer Service Representative

Katie Stovall, Customer Service Representative