Community Depository Institutions Advisory Council (CDIAC)

Brad M. Bolton
President, Chief Executive Officer, and Senior Lender
Community Spirit Bank
Red Bay, AL

Alvin J. Cowans
President and Chief Executive Officer
McCoy Federal Credit Union
Orlando, FL

Cynthia N. Day
President and Chief Executive Officer
Citizens Trust Bank
Atlanta, GA

Carlos R. Fernandez-Guzman
President and Chief Executive Officer
Pacific National Bank
Miami, FL

Caren C. Gabriel
President and Chief Executive Officer
Ascend Federal Credit Union
Tullahoma, TN

Shirley G. Hughes
President and Chief Executive Officer
Elizabethton Federal Savings Bank
Elizabethton, TN

Robert R. Jones III
President and Chief Executive Officer
United Bank of Atmore
Atmore, AL

Edward J. "Ed" Langton
Chairman of the Board and Chief Executive Officer
Grand Bank for Savings, FSB
Hattiesburg, MS

Miriam Lopez
President and Chief Lending Officer
Marquis Bank
Coral Gables, FL

David R. Melville III
President and Chief Executive Officer
Business First Bank
Baton Rouge, LA

Terry West
President and Chief Executive Officer
VyStar Credit Union
Jacksonville, FL

Kim Davis Wilson
President and Chief Executive Officer
OneSouth Bank
Chipley, FL

The Atlanta Fed's Community Depository Institutions Advisory Council (CDIAC) was founded in 2011 and meets twice a year. The chair of the Atlanta Fed's CDIAC, Terry West of VyStar Credit Union in Jacksonville, Florida, is the Bank's representative to the national CDIAC, which also meets twice a year to advise the Federal Reserve Board.

Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, each Federal Reserve District has established a CDIAC to systematically include the views of community depository institutions in the policymaking process. CDIACs provide input to the Board on the economy, lending conditions, and other issues related to community banking.