My entrepreneurial business spirit was formed as a young migrant worker for the first 10 years of my life. I am a graduate of the Southwestern Graduate School of Banking at SMU. I served as general manager of a large agribusiness company. In Banking I was in charge of complete banking operations that included three counties in southeastern California. Responsibilities included bank acquisitions, strategic planning, staff acquisition and training, and community development. We served the communities with commercial/consumer loans, investment/checking products, and employment opportunities.