Jim clayton serves as a director, Vice Chairman, and Chief Executive Officer of Clayton BanCorp, Inc., a $600 million multi-bank holding company in Knoxville, Tennessee.

Mr. Clayton founded Clayton Homes, Inc in 1956 and served as Chairman, President, and CEO for 40 years and was lauded by the NYSE, Forbes, Barons, and the Wall Street Journal for producing 30 consecutive years of 25% earnings growth until selling to Warren Buffet in 2003.

He founded BankFirst in 1993, a group of banks in East Tennessee and served as its Chairman. After taking BankFirst public in 1998 at 800 million, he sold it to BB&T in 2000. At BB&T (Winston Salem), Mr. Clayton served on the Board of Directors, chaired the Executive Committee and acted as Chairman of the Tennessee BB&T board until December 2004.

Mr. Clayton was inducted into the Horatio Alger Organization of Distinguished Americans in 1991. He was listed in the Forbes 400 list of Wealthiest Americans ten times beginning in 1991. Mr. Clayton holds degrees in Engineering and Law from the University of Tennessee and several honorary degrees. He is a director of MidCountry Financial, served on the board of Dollar General Corporation, (NYSE, DG), numerous other for profit and non-profit organizations.

Kay Clayton, a native of Johnson City, TN attended East Tennessee State University and completed her degree in Elementary Education at the University of Tennessee. After teaching kindergarten and first grade in the Knox County School System for twelve years she was a Flight Attendant for Piedmont and USAir for 7 years.

Kay currently serves on the Board of the Baptist Health System Foundation, The Boys and Girls Club of the Tennessee Valley, Friends of the Smokies, and The Knoxville Museum or Art.

Kay also serves on the board and is the Executive Director of the Clayton Family Foundation and is a member of the Board of Directors of Clayton Bank and Trust and Clayton Bancorp, Inc.

Kay resides in Knoxville with her husband Jim, where she spends much of her time involved in community, church and family activities.

B. Joe Clayton began his career in the automotive business 50 years ago in 1957. Since then, he has owned and operated both new and used car stores in Knoxville, TN and Columbus, GA. He currently operates Clayton Volvo, Columbus Motor Company, Mercedes Benz of Columbus, and several used car stores.

In addition to his dealership operations, Mr. Clayton has served as a director of Valley Fidelity Bank and Trust from 1986 until 1991, when Valley Fidelity Bank and Trust was acquired by First Tennessee Bank. Mr. Clayton remained a director with First Tennessee Bank until his retirement in 2005. He is currently a director at both Clayton Bank and Trust and Clayton BanCorp, Inc.

Mr. Clayton has also been part of the manufactured home business. He was a director of Clayton Homes from its inception until the sale to Warren Buffett in 2003.

Kevin Clayton began his housing career at seven setting up and refurbishing manufactured homes after school and continued working every summer to learn all he could about the business. A graduate of James Madison University with an MBA from the University of Tennessee, Kevin worked in and led each of the five business groups before transitioning to CEO in 1999, leading the most dynamic management team in housing.

Kevin was pivotal in closing the sale of Clayton Homes to Berkshire Hathaway Inc. in 2003, with the entire manufactured housing industry benefiting from the credibility of Warren Buffett’s Berkshire Hathaway. Recently, Warren Buffett stated "The driving force behind the company's success is Kevin Clayton. (He) knows the business forward and backward, is a rational decision-maker and a joy to work with." Through Kevin’s expansion efforts Clayton Homes now totals - 41 homebuilding facilities, 448 model home centers.

Blending work and play, and sometimes confusing the two, Kevin is a commercial-rated jet pilot and enjoys flying a variety of aircraft, a skill that serves both his business needs and his adventurous nature. Kevin serves on various boards, including Ruby Tuesday and is an active philanthropist. He and his wife, Chelly, have one child, Ella, who turned four in April.

Tim Williams is co-founder, President and Chief Executive Officer of 21st Mortgage Corporation, owning a $4.8 billion dollar loan portfolio. 21st Mortgage is the highest volume lender in the manufactured home industry. Tim was employed from 1974 until September 1995 by Clayton Homes, Inc. He served on the Executive committee of Clayton Homes and President of Vanderbilt Mortgage and Finance until he left in 1995 to start 21st Mortgage. In 2003 21st Mortgage was acquired by Clayton Homes, acting on behalf of Berkshire Hathaway.

Some of his other affiliations include: Director Choice Data Consumer Services, Board Member of Knoxville Symphony Society, Director Knoxville Zoological Gardens, Board member of the Knox Area Chamber of Commerce, past Director of BankFirst, and past Chairman of the Manufactured Housing Institute Financial Services Division. In 2007 Tim was selected for Leadership Knoxville.

Tim holds a degree in Accounting and an MBA, both from the University of Tennessee, and both acquired while working full time at Clayton Homes. Tim is married to the former Amy Branscom, and has two children, and four beautiful grandchildren. His son, Wayne Williams is a Sr. Credit Manager at 21st. Tim is a multi-engine, instrument-rated pilot. For recreation he enjoys scuba diving, running, tennis, and is a big fan of UT’s major sports.

Dr. Glass was born May 10, 1942, in Gettysburg, Pennsylvania. He graduated from Osceola High School in Kissimmee, Florida, and earned his Bachelor of Science (1964), Master of Arts (1965), and his Doctor of Arts (1973) degrees from Middle Tennessee State University in Murfreesboro, Tennessee.

Dr. Glass began his career in education working as a teacher, coach, and assistant principal in the Murfreesboro City Schools System in the early 1960’s. He joined Middle Tennessee State University in 1969 as Textbook Manager and later worked as Director of Admissions and Dean of Admissions and Records before joining Motlow State Community College in 1975 as Dean of Academic Affairs. At Motlow, he also held the position of Dean of the College before his appointment as President in April 1987. In December 2002, the Tennessee Board of Regents bestowed the honor of President Emeritus upon Dr. Glass.

Dr. Glass is a member of the Tullahoma Rotary Club, having served as secretary, treasurer, vice-president, and president. He is a member of Kappa Alpha Alumni Association, Lakewood Country Club, and First United Methodist Church. During his tenure as President of Motlow College, he was a member of Phi Delta Kappa, National Management Association, Tullahoma Chamber of Commerce, and the Industrial Board of Moore County.

An avid civic leader, Dr. Glass has been active in UGF, PTA, and Little League and earned the distinction of being named the Outstanding Young Man of the Year in Murfreesboro in 1970. Dr. Glass was a member of the Tennessee Valley Aerospace Region beginning in 1987 and served as Chairperson of the Board from 1993 to 1997. He was the recipient of the Silver Knight of Management Award in 1993 and Gold Knight of Management Award in 1998, the highest award National Management Association chapters can bestow upon an executive. In March 1997, Dr. Glass was named one of 77 commissioners to the Southern Association of Colleges and Schools (SACS) and in 1998 he was elected to the SACS Executive Council, an honor bestowed to only 17 commissioners representing 11 states. Currently, Dr. Glass is serving as Chairman of the Board of American City Bank, Tullahoma, Tennessee.

A US Army veteran, Dr. Glass served as a helicopter pilot in Vietnam. He earned the Air Medal with Ten Oak Leaf Clusters, Service Medal, Vietnam Campaign Defense Medal, Army Aviation Badge, and the Bronze Star Medal.

He and his wife, Katherine Knowles Glass, have two sons, Joseph Allen Glass and Jonathan Knowles Glass.

Raja J. Jubran, founder, Chief Executive Officer, and 50% stockholder of the Company, has led the management team of Denark Construction, Inc., a general contracting and engineering company, since its incorporation in 1985.

Mr. Jubran earned his degree in Civil Engineering from The University of Tennessee, Knoxville. Overall direction of the firm, pursuit of its vision, and adherence to its mission are top priorities for Mr. Jubran, although, as Chief Executive Officer, he regularly reviews the activities and decisions of all divisions. He maintains a broad overview of the operation of the firm and, along with the rest of Denark’s team, assures each project's ultimate success. Mr. Jubran has managed teams constructing public facilities, high-tech industrial plants, convention centers, medical offices, warehouse and distribution centers, shopping centers, multi-family, and other commercial projects. Active involvement in improving the community is an important objective for him as well.

Mr. Jubran currently serves on the Clayton Bancorp Board of Directors, the Knoxville Symphony Orchestra Board of Directors, the UT College of Engineering Board of Advisors, the Maryville College National Advisory Council, and is current Chairman of Leadership Knoxville Board of Directors. He is a Past Chairman of the Knoxville Area Chamber Partnership Board and Past Chairman of the Investors Council of the Jobs Now! Campaign for Economic Development, and has chair other community and non-profit boards.

Mr. Jubran was named one of the 2005 Business Hall of Fame Laureates by Junior Achievement of East Tennessee, and in 2004, received the Nathan W. Dougherty Award from The University of Tennessee College of Engineering. He and his wife, Michelle, have two sons, Omar and Nadim.

Jack R. Bulliner began his career at First State Bank, Henderson, TN by working on Saturdays while in high school. He started working full-time on May 15, 1948, upon his graduation from Chester County High School. He was appointed Cashier and a member of the Board of Directors of First State Bank in 1959 and promoted to Vice-President and Cashier in 1968. He was elected President of the Bank in January, 1970.

Bulliner was one of the organizers of the Junior Bankers Section (now Young Bankers) of the Tennessee Bankers Association in 1960 and served as its President in 1963-64. He was elected President of the TBA in May, 1977 and in 1978-79 served as its Chairman. During his tenure, he visited more than 100 banks across the state.

In 1977, Bulliner was named Chairman of the Board of Directors of First State Bank. He served as Chairman until the headquarters of the FSB a division of Clayton Bank & Trust moved to Knoxville, TN. Bulliner was elected to the Board of Directors and Chairman of Clayton Bancorp, Inc. in January, 2007.

He is a member of First United Methodist Church in Henderson, TN and has served as Chairman of the Official Board of Trustees, Treasurer and Sunday School teacher. Bulliner is a past president of the Junior Chamber of Commerce and the Henderson Civitan Club and was named Chester County Young Man of the year in 1963.

He served for 22 years in the Tennessee Army National Guard and was Battalion Sergeant Major, Captain and Company Commander of Headquarters Company. He holds the Tennessee National Guard Commendation Ribbon.

Jack and his wife, Patsy, have one daughter, Randi Rich, a real estate attorney in Jackson, TN and one grandson, Adam Randall Wilson of Jackson.

Native from Knoxville, TN, and was born on July 9, 1930. Mr. McClure attended the Grammar School and Junior High School in Washington, D. C., as his father was Chief of the Treaty Division, U.S. Department of State. After relocating to Knoxville he graduated from Knoxville High School, and the University of Tennessee, B.S. 1950.

After receiving his U.S. Army Commission, he served as a 1st Lieutenant in the Transportation Corp., in Germany, 1950-1953.

His Real State career includes, as a Realtor, primarily developing, being Western Plaza Shopping Center, and in Home building, Lovell Hills, Fox Run Wentworth, Ashley Oaks and Campbell Station Villas.

Wallace and his wife, Patsy, have one son, Wallace B. (Wally) McClure who is a Webb School and Georgia Tech, B.S., M.S. graduate, a Software developer, President of Scalable Development, developer of the Web Site "Happy Mappy", and develops applications for the US Department of Education, Office for Civil Rights, Washington, D.C.

John Kalec is Executive Vice President and Chief Financial Officer of Clayton Homes, a wholly owned subsidiary of Berkshire Hathaway. Prior to joining Clayton Homes in 1996, Mr. Kalec held various senior financial positions with Philips Electronics, including Managing Director of Finance and Accounting for the Philips Components Division in the Netherlands and was Chief Financial Officer of iPIX (Internet Pictures) during their initial public offering and secondary financing between 1998-2001.

Mr. Kalec currently serves on the Clayton Bancorp Board of Directors and is the Chairman of the Audit Committee. He is also a member of Leadership Knoxville, the Tennessee Business Roundtable, the National Advisory Council for Maryville College, and has served on a number of other community related boards over the past years.

Mr. Kalec received his B.S. degree in Business Administration from Lewis University and Masters Degree in Accounting from Depaul University in Chicago, Illinois. He and his wife Karen have lived in Knoxville since 1985 and have three sons, John Jr., Daniel, and David and daughter Katherine.

Shawn was born and raised in the suburbs of Detroit and moved to Tennessee in 1982 where he graduated from Carson-Newman College Division of Business with his Bachelors of Science in 1990.

His hobbies include spending time on his farm with his wife, Priscilla and three boys, Andrew, Brandon and Luke. He also enjoys playing the guitar. He is an active member and deacon at Magna View Baptist Church. He is the President elect for the Rotary club of Jefferson City. He also previously served on BankFirst Regional Community Board. He serves on the Carson-Newman Business Advisory Board.

Randal D. Boyd founded Radio Systems Corporation, makers of the PetSafe, SportDog and Invisible Fence brands, in January 1991 and has served as Chairman and CEO since. In January 1983, Mr. Boyd founded Saco, Inc., a farm supply distribution company (“SACO”), and served as Chairman of the Board and President of SACO until 1999, when he sold it to management. Prior to founding SACO, Mr. Boyd served Fi-Shock, Inc., a manufacturer of electric fencing equipment (“Fi-Shock”), in several positions, including Director of International Sales and Vice President of Sales.

Mr. Boyd is on the Board of EDP Biotech, a biotech firm developing cancer detection products, and Walker Academy, a private high school in Knoxville, Clayton Bank and Trust and Clayton Bancorp, Inc. He has a BS from the University of Tennessee and a Masters from Oklahoma University.

Regina Murray has over twenty years experience in management for various companies. Her management experience varies from small tightly owned businesses to large multi-billion firms. Her entire career has been within the federal contracting area – allowing her to offer unique leadership skills to companies that serve the federal government as a primary vendor.

She is a former manager of Science Applications International Corporation (SAIC), where she helped lead the engineering and environmental group in Oak Ridge, TN to become the third largest office in this multi-billion dollar employee-owned firm.

Subsequent to her experience with SAIC, Ms. Murray returned to her family business, Camel Manufacturing Company (Camel). She demonstrated her ability for achieving strong results, leading the company out of a difficult operating situation to become the U.S. largest provider of military tents. In January 2002, Ms. Murray sold her interest in Camel Mfg.

Ms. Murray currently is an equity owner in various firms and participates in their boards and management. These include Nucsafe, Inc. located in Oak Ridge, TN, which provides radiation detection equipment to various federal agencies and foreign governments; TransTec an integrator of detection and safety equipment. She is also an equity owner in Theodore Ville International (TWI), which provides maintenance, repair and operations along with food distribution to the U.S. Armed Forces in Western Europe and the Middle East. Cambar Software located in Charleston, SC provides supply chain management services and software. Knowledge Vector located in Durham, NC is an awareness firm specializing providing services for the intelligence communities along with Homeland Security. She serves on the Board of various different businesses and non profits.

Ms. Murray graduated from the California State University, obtaining a M.S. in Business Administration in 1982. Before that, she attended the University of Tennessee where she obtained a B.S. in Finance in 1980.

Ms. Murray resides in Knoxville, TN with her husband James and their two sons.

Jim Shelby is a native of East Tennessee. He graduated from the University of Tennessee in Knoxville in 1959 with a major in Accounting.     Immediately after graduation, he passed the CPA exam and joined Lybrand, Ross Bros. & Montgomery (now PricewaterhouseCoopers) in Birmingham, Alabama.

In 1963, he joined another international accounting firm, Arthur Andersen & Co. in Chattanooga. In 1973 he was admitted to that firm as a tax partner and transferred to the Indianapolis office to head that office's tax division. In 1974, he transferred back to Chattanooga and subsequently became the office's managing partner. In 1981, he transferred to Knoxville as managing partner of that office. In 1984, he resigned from Andersen and was admitted to PricewaterhouseCooper partnership as head of the Knoxville office's tax services. He subsequently became managing partner of the office until his retirement from the Firm in January. 1997.

Since his retirement, Jim has served on the Boards of Bank East, Area Bancshares in Kentucky (a publicly held company), BB&T, The Trust Company of Knoxville, and now Clayton Bank and Trust. His overall experience has been wide and varied, serving both large and small businesses from locally owned enterprises to multi-national operations. He has also worked with some of the East Tennessee's wealthiest families.

Jim has been very active professionally and civically holding officer ship positions in many charitable and arts organizations. He currently serves on the investment committee for the University of Tennessee Endowment Funds and continues to consult with long-time clients.

Rich Ray is co-founder and Chief Financial Officer of 21st Mortgage Corporation since its inception in 1995. Rich was employed from 1982 until 1994 by Clayton Homes, Inc where he served as Executive Vice President and Chief Financial Officer. Rich spearheaded the initial public offering of Clayton Homes in 1983.

Some of his other affiliations include: Director of Radio Systems, Inc, Director and Member of Executive Committee of Knox Housing Partnership 1986 – 1998. Rich has an Accounting degree from the University of Tennessee. He is a native of Knoxville and together with his wife Jane has four children and 8 grandchildren.