Alfred (Al) L. Kreps

Senior Vice President of The State Bank, Secretary of the Board of Directors and Secretary Treasurer of Ark-Valley Bank shares, Inc. Al began his banking career in 1952. His career has been varied covering every position in a bank from a go-fer to President. This includes design and development of data processing systems for commercial banking; consulting, sales and installation of these systems in some 100 banks; and work out of problem banks. It was while working with a problem bank that he met Tricia. Al has been with the bank since their marriage in 1981 with responsibility for bank operations including Information Technology, Audit and Compliance until 2005 when the daughter was elected as Chief Financial Officer and Cashier.