Joan D. Kincaid

Joan D. Kincaid serves as vice chairman of the board of Central Bancshares, Inc., the multi-bank holding company for Central Bank & Trust Co. She has served on the boards of Central Bank & Trust Co. and Central Bancshares since 1993 and on the board of Central Bank, FSB since 1997. She is also president and chairman of the board of Capital Funds Investors and is president and director of Mid-State Financial Corporation. Ms. Kincaid is a trustee of the Kincaid Foundation in Lexington.