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EXHIBIT 22.1
AMERICAN BANCORP, INC.
321 East Landry Street
Opelousas, Louisiana 70570
PROXY STATEMENT FOR ANNUAL MEETING
TO BE HELD APRIL 11, 2001
GENERAL
Solicitation of Proxies. The accompanying proxy is solicited by and on
behalf of the Board of Directors of American Bancorp, Inc. (the Corporation),
for use at the annual meeting of shareholders to be held April 11, 2001, at the
time and place set forth in the accompanying Notice of Meeting, or any
adjournment or postponement thereof. The principal executive offices of the
Corporation and its wholly-owned subsidiary, American Bank & Trust Company (the
Bank), are located at 321 East Landry Street, Opelousas, Louisiana 70570. The
date on which this Proxy Statement and the enclosed form of proxy were first
sent to shareholders is approximately March 28, 2001.
All expenses of preparing, printing, and mailing the proxy, this proxy
statement, and any other materials, and all expenses incurred in solicitation,
will be borne by the Corporation. The Corporation expects to solicit proxies
primarily by mail. Proxies also may be solicited in person or by telephone or
telegraph by directors, officers, and other employees of the Corporation or the
Bank, none of whom will receive additional compensation for such services, but
who may be reimbursed for any actual expenses incurred, which expenses are
estimated not to exceed the aggregate sum of $2,000. The Corporation also may
request brokerage houses, custodians, and nominees, if any such persons are
listed as record owners of the Corporation's common stock, to forward these
materials to the beneficial owners of the stock held of record by them and pay
the reasonable expenses of such persons for forwarding the material.
Voting and Revocation of Proxies. Only shareholders of record at the
close of business on February 15, 2001, are entitled to notice of and to vote at
the meeting. On that date, the Corporation had outstanding 117,574 shares of
common stock, each of which is entitled to one vote on all matters presented to
the shareholders at the meeting. To the knowledge of the Corporation, all
persons beneficially owning more than five percent (5%) of its outstanding
voting securities are listed in the section entitled "Shareholders Owning More
Than 5% of Outstanding Shares" on page 4 of this Proxy Statement.
The shares represented by any proxy in the enclosed form, if the proxy
is properly executed and received at or prior to the meeting, will be voted in
accordance with the specifications made thereon. Proxies received on which no
specification is made will be voted for election as directors of the five
nominees named herein and in favor of the remaining proposal as set forth on the
enclosed proxy. Proxies are revocable by written notice to the Secretary of the
Corporation, Ronald J. Lashute, at any time prior to their exercise or by
submitting a later dated proxy at or before the annual meeting. Written
revocations of proxy and later dated proxies may be presented to the secretary
in person or mailed to: Ronald J. Lashute, Executive Vice-President and Chief
Executive Officer, American Bank & Trust Company, P. O. Box 1579, Opelousas,
Louisiana 70571-1579. The execution and return of the enclosed proxy will not
affect a shareholder's right to attend the meeting and vote in person. Proxies
will, however, be deemed revoked by attendance and voting at the annual meeting.
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SECURITY OWNERSHIP OF MANAGEMENT
The five members of the Board of Directors of the Corporation and the
two executive officers of the Corporation (both of whom also serve on the Board
of Directors), as a group own, directly or indirectly, 45,603 (38.8%) shares of
the common stock of the Corporation. See "Election of Directors" for the stock
ownership of individual directors.
ELECTION OF DIRECTORS
The Articles of Incorporation of the Corporation provide that the
number of directors will be designated in the Bylaws, or, if not so designated,
will be the number elected from time to time by the shareholders. The Bylaws
provide for a board of five directors.
The information below lists each nominee for director of the
Corporation, each of whom currently serves as a director, setting forth his
address, age, principal occupation or employment, and amount and percentage of
beneficial ownership of common stock of the Corporation as of February 15, 2001.
Each person listed below has been named as a nominee for election as director at
the meeting to which this Proxy Statement relates. Directors are elected to hold
office until the next annual meeting of shareholders unless they sooner become
disqualified, or until such time as their successors are elected and have
qualified. Unless otherwise indicated, all nominees have been with the same
organization in essentially the same position as listed below for the past five
years, and the nominees beneficially own, with sole voting and investment power,
the shares listed below. The nominees, except Ronald J. Lashute, are also
members of the Board of Directors of the Corporation's subsidiary, American Bank
& Trust Company. The year listed under the heading "First Elected Director"
indicates the year in which the nominee or director was first elected as a
director of the Bank prior to formation of the Corporation or the year in which
the nominee or director was first elected as a director of the Corporation.
Those persons listed on the table below, except Jasper J. Artall and Ronald J.
Lashute, first became directors of the Corporation on June 30, 1982. Ronald J.
Lashute has been an executive officer of the Corporation and the Bank since
1990. See "Executive Officers."
The Board of Directors recommend a vote for the election of the persons
listed below as directors of the Corporation.
None of the directors of the Corporation holds a directorship in any
other company with a class of securities registered under Section 12 of the
Securities Exchange Act of 1934, as amended, or subject to the requirements of
Section 15(d) of that Act or in any company registered as an investment company
under the Investment Company Act of 1940.
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SHARES (6)
PRINCIPAL OCCUPATION BENEFICIALLY
OR EMPLOYMENT FIRST OWNED AS OF
AND BUSINESS EXPERIENCE ELECTED FEBRUARY 15, 2001
NAME AND ADDRESS AGE DURING PAST 5 YEARS DIRECTOR NUMBER PERCENTAGE
- ---------------- --- ----------------------- -------- ------ ----------
Jasper J. Artall (7) 59 Farmer 1998 307 .26%
P. O. Box 201
Melville, LA 71353
Walter J. Champagne, Jr. (7) 80 Retired; Farming interest; 1958 2,045 1.7%
P. O. Box 8 and Vice-Pres. of the Bank
Port Barre, LA 70577
J.C. Diesi (1,3,7) 80 Diesi Pontiac-Cadillac- 1958 11,355 9.7%
115 W. Smiley Street Buick, Inc., (Automobile
Opelousas, LA 70570 Dealer & Service)
Salvador L. Diesi, Sr. 70 Chairman of the Board and 1973 15,468 13.2%
(1,2,3,4,8) President, American
1327 Dietlein Blvd. Bancorp, Inc. and
Opelousas, LA 70570 American Bank & Trust
Company; Gas Station,
Convenience Store, and
Video Poker, Little
Capitol of Louisiana,
Inc.; Commercial real
estate investor; farming
interest; and Attorney at Law
Ronald J. Lashute 51 Executive Vice-President 1994 16,428 14%
(2,3,5,8) and Chief Executive
2018 Jasmine Drive Officer of the Bank and
Opelousas, LA 70570 Secretary and Treasurer of
the Corporation
-------- -------
Total for directors (five persons) 45,603 38.8%
======== =======
(1) J.C. Diesi is Salvador L. Diesi's uncle.
(2) Executive Officer of the Corporation who participates in major policy
making functions.
(3) Ronald J. Lashute is a cousin of Salvador L. Diesi, Sr. and a nephew of
J.C. Diesi.
(4) Of the 15,468 shares held by Salvador L. Diesi, Sr., 10,186 shares (8.7%)
are held by Corporations of which Mr. Diesi owns 51% or more.
(5) Of the 16,428 shares held by Ronald J. Lashute, 16,000 shares (13.6% of the
Corporation's outstanding common stock) are owned by The Diesi Family
Trust. Mr. Ronald J. Lashute is the trustee of The Diesi Family Trust and
has sole voting authority with respect to the shares of the Corporation's
common stock held by the said trust. See "Shareholders Owning More Than 5%
of Outstanding Shares." The trust provides that, as to each beneficiary, it
will remain in effect for the life of the beneficiary or the maximum period
allowed by Louisiana law, whichever is longer.
(6) All figures represent number or percentage of outstanding shares of common
stock.
(7) Owns shares of common stock directly.
(8) Owns shares of common stock directly and indirectly.
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If elected by the shareholders to serve as the Corporation's Board of
Directors, the nominees listed above plan to direct the Chairman of the Board of
the Corporation, as the sole shareholder of the Bank, to vote the stock of the
Bank owned by the Corporation in favor of the following persons to serve as the
Board of Directors of the Bank: Jasper J. Artall, Walter J. Champagne, Jr., J.
C. Diesi, Salvador L. Diesi, Charles Jagneaux, Alvin Haynes, II, Sylvia Sibille
and Attaway Darbonne. Each of these persons has served on the Board of Directors
of the Bank for the past year.
SHAREHOLDERS OWNING MORE THAN 5% OF OUTSTANDING SHARES
The following table sets forth, as of February 15, 2001, information
concerning the beneficial ownership of voting stock of American Bancorp, Inc.,
by persons who are known to the Corporation to be beneficial owners of more than
5% of the Corporation's outstanding shares of voting common stock:
PERCENTAGE
AMOUNT AND OF CLASS
NAME AND ADDRESS OF NATURE OF BENEFICIAL OF SHARES
TITLE OF CLASS BENEFICIAL OWNER OWNERSHIP OWNED
- -------------- ------------------- ------------------------ ----------
Common stock Salvador L. Diesi, Sr. 15,468 shares 13.2%
1327 Dietlein Blvd. Direct and Indirect(1)
Opelousas, LA 70570
Common stock J.C. Diesi 11,355 shares 9.7%
115 W. Smiley St. Direct
Opelousas, LA 70570
Common stock Ronald J. Lashute 16,428 shares 14%
2018 Jasmine Drive Direct and Indirect(2)
Opelousas, LA 70570
Common stock Bobby Dupre 6,022 shares 5.1%
444 King Street Direct and Indirect(3)
Opelousas, LA 70570
(1) Mr. Salvador L. Diesi, Sr. directly owns 5,282 shares or 4.5% of the
outstanding shares of the Corporation. In addition, he owns 10,186 shares,
which is equal to 8.7% of the outstanding shares of the Corporation,
indirectly, through his associations with his businesses.
(2) Mr. Ronald J. Lashute directly owns 428 shares or .4% of the outstanding
shares of the Corporation. Mr. Lashute is the trustee of The Diesi Family
Trust. The Trust owns 16,000 shares or 13.6% of the outstanding shares of
the Corporation. The Trust is for the benefit of the grandchildren of Frank
Diesi (a former director of the Corporation) and Marie Diesi.
(3) Mr. Bobby Dupre directly owns 2,164 shares or 1.8% of the outstanding
shares of the Corporation. In addition, he owns 3,858 or 3.3% of the
outstanding shares of the Corporation indirectly, through his associations
with his businesses.
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BOARD MEETINGS AND COMMITTEES
During 2000, the Board of Directors of the Corporation held a total of
three regular and special meetings. Each director attended seventy-five percent
or more of the aggregate number of meetings of the Board of Directors of the
Corporation and committees of the Board of Directors of the Corporation on which
he served. During 2000, the Board of Directors of the Bank held a total of
twelve regular and special meetings. Each director of the Bank attended
seventy-five percent or more of the aggregate number of meetings of the Board of
Directors of the Bank and committees of the Board of Directors of the Bank on
which he served.
The Board of Directors of the Corporation has no nominating or
compensation committees or committees performing similar functions. The audit
committee of the Corporation, composed of J.C. Diesi and Jasper J. Artall, did
not meet in 2000.
Each member of the Corporation's Audit Committee is independent under
the definition of independence set forth in Section 4200 (a) (14) of the NASD's
listing standards.
The Board has not adopted a written charter for the Corporation's audit
commitee.
The Board of Directors of the Bank has established the following
committees:
The Loan Discount Committee reviews and approves all large loans. This
committee met seven (7) times in 2000 and is composed of Salvador L. Diesi, Sr.,
Chairman, J.C. Diesi, Charles Jagneaux, Alvin Haynes, II, Walter J. Champagne,
Jr. and Attaway Darbonne.
AUDIT COMMITTEE REPORT
The Audit Committee of the Corporation has reviewed and discussed the
audited financial statements of the Corporation with management. The Audit
Committee of the Corporation has discussed with the Corporation's independent
accountants the matters required to be discussed by SAS 61, and has received
from those accountants the written disclosures and the letter required under
ISB Standard No. 1.
Based on the foregoing review and discussions, the Corporation's Audit
Committee has recommended to the Board that the audited financial statements be
included in the Corporation's Annual Report on Form 10-K for the last fiscal
year for filing with the Securities and Exchange Commission.
J.C. Diesi Jasper J. Artall
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EXECUTIVE OFFICERS
The Executive Officers of the Corporation are as follows:
NAME AGE POSITIONS HELD
---- --- --------------
Salvador L. Diesi, Sr. 70 Chairman of the Board of the Corporation and
the Bank since April 14, 1993 and
President of the Corporation and the Bank
since April 13, 1983.
Ronald J. Lashute 51 Secretary/Treasurer of the Corporation and
Executive Vice-President and Chief
Executive Officer of the Bank since
March 1990; Director of the Corporation
since December 1994.
Executive Officers are chosen by the Board of Directors to hold office
at the pleasure of the Board. Both Mr. Salvador L. Diesi, Sr. and Mr. Ronald
Lashute have been officers of the Corporation and the Bank for more than five
years.
The family relationships among the executive officers of the
Corporation are indicated in the list of directors. See "Election of Directors."
COMPENSATION AND OTHER TRANSACTIONS
DIRECTORS FEES
Directors of the Corporation received a board fee of $200 per month in
2000 for their services. In 2000, each director of the Bank received a board fee
of $600 per month January through March and $650 per month April through
December. In addition, each director of the Bank received a cash bonus of $3,500
in 2000. Directors serving on the Bank's Loan Discount Committee received $150
per month in 2000.
COMPENSATION
The following table sets forth all compensation paid, distributed or
accrued for the account of the persons listed below for the fiscal year ended
December 31, 2000 by the Bank to the Executive Officers of the Corporation and
the Bank.
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SUMMARY COMPENSATION TABLE
ANNUAL COMPENSATION
NAME AND SALARY AND
PRINCIPAL DIRECTOR BONUS OTHER ANNUAL ALL OTHER
POSITIONS YEAR FEES($) ($)(1) COMPENSATION($)(2) COMPENSATION($)
- --------- ---- ------- ------ ------------------ ---------------
Salvador L. Diesi, 2000 39,660 (4) 3,600 -- 307 (3)
Sr., Chairman of 1999 39,217 (5) 3,200 -- 337 (3)
the Board and 1998 38,618 (6) 3,200 -- 337 (3)
President of the
Corporation and
the Bank
Ronald J. Lashute 2000 87,802 (7) 10,100 -- 12,399 (10)
Executive Vice- 1999 84,091 (8) 8,100 -- 9,854 (11)
President and 1998 79,095 (9) 7,100 -- 9,136 (12)
Chief Executive
Officer of the
Bank and Secre-
tary/Treasurer
of the Corporation
(1) The Bank had a cash bonus plan in 2000, 1999, and 1998, whereby a bonus
was declared by the Board of Directors. The total amount of the Bonus
paid to all eligible employees of the Bank was $73,415, $61,266, and
$54,711, respectively, for those years. In addition, cash bonuses of
$3,500 in 2000, $3,200 in 1999 and $3,100 in 1998 were paid to each
director of the Bank. Cash bonuses paid to the Executive Officers of
the Bank are noted in the table above.
(2) No amounts for perquisites and other personal benefits, such as company
automobiles, which may accrue to the named executive officers and
which, in the opinion of management, are job related and appropriate in
connection with the conduct of the Corporation's and the Bank's
affairs, are shown. The aggregate amount of such compensation does not
exceed 10% of the total of annual salary and bonus reported for the
named executive officer and no such compensation for either officer
exceeds 25% of the total perquisites and other personal benefits
accruing to such officer.
(3) These figures represent term life insurance premiums paid by the Bank.
(4) This amount includes $810 that was contributed by the Bank for the
account of Mr. Diesi in accordance with the terms of a 401(k) Plan
established by the Bank for the benefit of its employees in January
1993 (the 401(k) Plan).
(5) This amount includes $817 that was contributed by the Bank for the
account of Mr. Diesi in accordance with the terms of the 401(k) plan.
(6) This amount includes $818 that was contributed by the Bank for the
account of Mr. Diesi in accordance with the terms of the 401(k) plan.
(7) This amount includes $2,017 that was contributed by the Bank for the
account of Mr. Lashute in accordance with the terms of the 401(k) plan.
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(8) This amount includes $2,383 that was contributed by the Bank for the
account of Mr. Lashute in accordance with the terms of the 401(k) Plan.
(9) This amount includes $2,256 that was contributed by the Bank for the
account of Mr. Lashute in accordance with the terms of the 401(k) Plan.
(10) This amount includes $11,847 of deferred compensation accrued under a
supplemental executive retirement plan established by the Bank on
September 1, 1995. This amount also includes $552 in term life
insurance premiums paid by the Bank.
(11) This amount includes $9,302 of deferred compensation accrued under a
supplemental executive retirement plan and $552 in term life insurance
premiums paid by the Bank.
(12) This amount includes $8,694 of deferred compensation accrued under a
supplemental executive retirement plan and $442 in term life insurance
premiums paid by the Bank.
SECTION 16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE
Section 16(a) of the Securities Exchange Act of 1934 requires officers,
directors and beneficial owners of more than 10% of the outstanding shares of
the Corporation to file with the Securities and Exchange Commission (the SEC)
certain reports describing their stock ownership and changes in their stock
ownership. They must also furnish the Corporation with copies of these forms.
Based solely on its review of the copies of such forms received by it and
written representations from certain reporting persons that they have complied
with the relevant filing requirements, the Corporation believes that during
2000, filing requirements under Section 16(a) were met on a timely basis.
LEGAL PROCEEDINGS
No director, officer or affiliate of the Corporation, or owner of more
than five (5%) of the outstanding shares of the Corporation, is a party adverse
to the Corporation or its subsidiary in any currently pending legal proceeding,
nor does any such party have a material interest adverse to the Corporation or
the Bank in any currently pending legal proceeding.
OTHER TRANSACTIONS
The Bank has had, and expects to have in the future, banking
transactions in the ordinary course of business with directors, officers and
principal stockholders of the Corporation and of the Bank and their associates,
affiliates or members of their immediate families. The transactions have been
and will continue to be made on the same terms, including interest rates and
collateral on loans, as those prevailing at the same time for comparable
transactions with others and do not involve more than the normal risk of
collectibility or present other unfavorable features.
In addition, the Bank has had other transactions, as indicated below,
with certain directors of the Bank. Such transactions were made in the ordinary
course of business and were on terms competitive with those existing in the
community at the time made.
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The Bank is obligated under a lease for the South Branch location with
Little Capitol of Louisiana, Inc., which corporation is owned by Salvador L.
Diesi, Sr. and a trust set up by Frank Diesi (a former director of the Bank) and
Marie Diesi for the benefit of their grandchildren. For the year ended December
31, 2000, the Bank paid Little Capitol of Louisiana, Inc. $20,671 under the
terms of the lease. The initial lease expired on May 31, 1997, but was renewed
through May 31, 2002.
During 2000, the Bank had its vehicles repaired at Diesi
Pontiac-Cadillac-Buick, Inc. and paid an aggregate amount of $3,178 for such
repairs. Also in 2000, the Bank purchased a car for $23,981 from Diesi
Pontiac-Cadillac-Buick, Inc. Mr. J.C. Diesi, a Director of the Corporation, is
an owner of the car dealership.
RELATIONSHIP WITH, AND RATIFICATION OF APPOINTMENT OF,
INDEPENDENT PUBLIC ACCOUNTANTS
General. Broussard, Poche', Lewis & Breaux has served as the
Corporation's independent Certified Public Accountants for the fiscal years
ending December 31, 1986 to 2000. At the 2001 Annual Shareholders Meeting, the
following resolution will be subject to ratification by a simple majority vote
of shares represented at the meeting:
RESOLVED, That the selection of Broussard, Poche', Lewis & Breaux, as
the independent Certified Public Accountants of American Bancorp, Inc.
and its sole subsidiary, American Bank and Trust Company, for the
fiscal year ending December 31, 2001, is hereby ratified.
Although shareholder approval is not required, it is the policy of the
Board to request ratification for the appointment of accountants.
If ratification is not achieved, the selection of independent Certified
Public Accountants will be reconsidered and made by the Board of Directors. Even
if selection is ratified, the Board of Directors reserves the right to direct,
and in its discretion, may direct, the appointment of any other independent
Certified Public Accounting firm at any time if the Board decides that such a
change would be in the best interests of the Corporation and its shareholders.
A representative of Broussard, Poche', Lewis & Breaux is expected to
attend the Annual Shareholder's Meeting with the opportunity to make a
statement, if desired, and is expected to be available to respond to
shareholder's inquiries.
The Board of Directors recommends that you vote for the ratification of
the appointment of Broussard, Poche, Lewis & Breaux as independent Certified
Public Accountants of the Corporation and the Bank for the fiscal year ending
December 31, 2001.
Audit Fees. The aggregate fees billed by Broussard, Poche, Lewis
& Breaux for professional services rendered for the audit of the Corporation's
annual financial statements for the most recent fiscal year and the review of
the financial statements included in the Corporation's Forms 10-Q for that
fiscal year were $33,900.
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Financial Information Systems Design and Implementation Fees.
Broussard, Poche, Lewis & Breaux did not bill the Corporation for, or render,
professional services related to financial information systems design or
implementation for or on behalf of the Corporation during the most recent fiscal
year.
All Other Fees. The aggregate fees billed for services rendered by
Broussard, Poche, Lewis & Breaux for services, other than those described above
in "Audit Fees" and "Financial Information Systems Design and Implementation
Fees," for the most recent fiscal year were $8,585, which fees were billed in
connection with tax-related services.
Other Matters. The Audit Committee of the Corporation has considered
whether the provision of the services by Broussard, Poche, Lewis & Breaux, other
than the services described above under "Audit Fees," is comparable with
maintaining the independence of Broussard, Poche, Lewis & Breaux and has
determined that the provision of such services is compatible with the
independence of Broussard, Poche, Lewis & Breaux. The percentage of the hours
expended in Broussard, Poche, Lewis & Breaux's engagement to audit the
Corporation's financial statements for the most recent fiscal year that were
attributed to work performed by persons other than the full-time permanent
employees of Broussard, Poche, Lewis & Breaux was not in excess of 50 percent.
SHAREHOLDER PROPOSALS FOR 2002 ANNUAL MEETING
Shareholders who desire to present a proposal for inclusion in the
proxy material relating to the 2002 annual meeting of shareholders of American
Bancorp, Inc. must forward such proposals to Ronald Lashute at the address
listed on the first page of this Proxy Statement in time to arrive at the
Corporation prior to November 29, 2001. Shareholders who desire to present a
proposal at the 2002 annual meeting other than one that will be included in the
Corporation's proxy materials must notify the Corporation (by notice to Mr.
Lashute at the address listed on the first page of this proxy statement) no
later than February 12, 2002. If a shareholder who wishes to present a proposal
fails to notify the Corporation by this date, the proxies solicited for the
meeting will have discretionary authority to vote on the shareholder's proposal
if it is properly brought before the meeting. If a shareholder makes a timely
notification, the proxies may still exercise discretionary voting authority
under circumstances consistent with the SEC's proxy rules.
OTHER MATTERS
QUORUM AND VOTING OF PROXIES
The presence, in person or by proxy, of a majority of the outstanding
shares of common stock of the Corporation is necessary to constitute a quorum.
If a quorum is present, the vote of a majority of the shares present or
represented by proxy will decide all questions properly brought before the
meeting, except that directors will be elected by plurality vote. A
shareholder's abstention or refusal to vote on a particular matter will not
affect the presence of a quorum or reduce the voting power present. (In effect,
therefore, an abstention is counted as a vote against a matter.) A non-vote
(including broker non-votes) will have no affect on the items to be addressed at
the meeting.
All proxies received in the form enclosed will be voted as specified,
and, in the absence of instruction to the contrary, will be voted FOR the
election of the nominees named above, and FOR the ratification of independent
Certified Public Accountants.
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The Corporation does not know of any matters to be presented at the
annual meeting other than those mentioned above. However, if any other matters
properly come before the meeting or any adjournment thereof, it is the intention
of the persons named on the enclosed proxy to vote the shares represented by
them in accordance with their best judgment, unless authority to do so is
withheld.
ADDITIONAL CORPORATE INFORMATION
ANY SHAREHOLDER MAY, BY WRITTEN REQUEST, OBTAIN WITHOUT CHARGE AN
ADDITIONAL COPY OF THE CORPORATION'S 2000 ANNUAL REPORT OR A COPY OF THE
CORPORATION'S FORM 10-K, INCLUDING THE FINANCIAL STATEMENTS AND THE FINANCIAL
STATEMENT SCHEDULES, AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION.
REQUESTS SHOULD BE ADDRESSED TO RONALD LASHUTE, EXECUTIVE VICE-PRESIDENT AND
CHIEF EXECUTIVE OFFICER, AMERICAN BANK AND TRUST COMPANY, P. O. BOX 1579,
OPELOUSAS, LOUISIANA 70571-1579.
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BLANK