Pat is located in our main bank on N. Commerce in Ardmore and is a graduate of Southeastern Oklahoma State University and Southwestern Graduate School of Banking.  He has been a lender many years in Southern and Southeast Oklahoma and serves America Nation Bank as its Oklahoma President.  His cordial, professional, and warm way of doing business attracts repeat customers year after year.  As many say, "He's just a nice guy and a good banker."  In his spare time, Pat leads a busy life with his wife and family–having 4 daughters and 8 grandchildren keeps POPS busy!