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- Incorporator / Director
- Kevin D. Bay is a member of the Board of Directors of
CedarStone Bank. Mr. Bay is Vice President of Operations and Chief
Financial Officer of Bay's Southern Bread, Inc. and Specialty Breads,
LLC, in Lebanon. In this capacity, he has helped to expand the company
and significantly increase production. Mr. Bay is active in the
Wilson County community, serving on the boards of the Lebanon/Wilson
County Chamber of Commerce and the United Way of Wilson County.
He is also actively involved in Ducks Unlimited and the National
Wild Turkey Federation. Mr. Bay was born in Nashville in 1961, and
moved to Wilson County in 1971. He graduated from Mt. Juliet High
School and attended Middle Tennessee State University.
- Incorporator /
Director - Jacqueline W. Cowden is an incorporator of CedarStone
Bank, and a member of the Board of Directors. Ms. Cowden has been
a business leader in the Wilson County Community since joining her
family's business in April, 1987. After graduating from Vanderbilt
University in 1977, Ms. Cowden joined the management team of Cain
Sloan Company, where she moved up the ranks to general manager, and
left when the company was sold in 1987. She currently holds the position
of Chief Executive Officer of Custom Packaging Company, a manufacturing
business in Lebanon, Tennessee. Ms. Cowden is active in not-for-profit
activities in the community, having chaired several boards and committees.
She continues to be a leading fundraiser for many agencies, she chairs
the United Way of Wilson County Alexis de Tocqueville Society, and
is a member of the board of directors, United Way of Wilson County.
Ms. Cowden has been commended for her leadership, having the "Industrialist
of the Year" Award (1996) and the "Distinguished Alumnus"
Award (Cumberland University, 2001) bestowed upon her. Ms. Cowden
earned a BA from Vanderbilt University in 1977 and a MS from Cumberland
University in 1995.
- Incorporator / Director
/ President / CEO - Robert L. McDonald is an incorporator
of the CedarStone Bank. He is the President, CEO, and a member of
the Board of Directors of CedarStone Bank, Mr, McDonald was born and
raised in Nashville, Tennessee. He graduated from Goodpasture Christian
School in 1979, and the University of Tennessee in 1983, with a BA
in Economics. With a background in government and hospitality, he
began his banking career in Nashville in 1985. Mr. McDonald was named
Community President of SunTrust Bank in Wilson County in June, 1995.
His local activities include: past president and board member of the
Wilson County Community Help Center; past president and board member
of the United Way of Wilson County past
president and current board member of the Wilson County Chapter of
the American Heart Association past chairman and board member of the
Lebanon/Wilson County Chamber of Commerce, board member of Wilson
County Promotions (Wilson County Fair Board), member of Lebanon Noon
Rotary Club, recipient of the 2001 Wilsonian of the Year Award, presented
by the Mt Juliet/West Wilson Chamber of Commerce, and member of the
Board of Trust of Cumberland University, currently serving on the
Finance Committee, Development Committee Academic Affairs Committee,
and the Presidential Search Committee.
- Incorporator
/ Director - Mr. Moscardelli has over thirty years of business experience in Lebanon, Tennessee, and the surrounding communities. He was employed by the Rock-Tenn Company from 1969-1999, serving as a General Manager of the Lebanon, Tennessee Folding Carton Plant from 1972-1994, and the Product Manager of the Flexo Division from 1994-1999. In 1999, Mr. Moscardelli left Rock-Tenn to start his own company, PFP, LLC, where he currently is an owner and the managing partner. Mr. Moscardelli is also a former member of the Community Board of Directors of SunTrust Bank in Wilson County. He is very active in the Lebanon/Wilson County community, having served in many positions: former member and past president of the Lebanon Noon Rotary Club; former board member and chairman of the board (during the construction phase and opening of the hospital) of the University Medical Center; the first campaign chairman and former board member of the United Way of Wilson County; and a current member of the Board of Trust of Cumberland University. Mr. Moscardelli was the first recipient of the "Industrialist of the Year" Award (1991) presented by the Wilson County Chamber of Commerce. He is also a member of the St. Frances Cabrini Catholic Church, Lebanon, Tennessee, a former member and three term president of the St. Frances Parish Council, a youth leader for nine years, and currently a Eucharistic minister and lector. Mr. Moscardelli graduated from the University of Georgia in 1965, with a BA in Political Science.
Donald E. Moser
- Director - Mr. Moser’s career in banking spans over 40 years, all centered in Middle Tennessee. Currently, he is the Chairman of Peoples Bank of Bedford County, in Shelbyville, Tennessee. He previously served on the SunTrust Board of Directors for Lebanon and Murfreesboro, Tennessee, and served as a Regional President for SunTrust Bank in Murfreesboro. Mr. Moser has also been on the boards of both the Tennessee Bankers Association and the Tennessee Independent Bankers Association. He has been involved with the Rutherford County Chamber of Commerce, the Middle Tennessee State University Foundation, the Middle Tennessee Medical Center Foundation, the Lions Club of Murfreesboro, and the Middle Tennessee State University Blue Raider Association. He has also served on the Board of Directors for the Murfreesboro Pension Committee and as the Chairman of the Board of Directors of the Murfreesboro Water and Sewer Department.
- Director - Bancroft O'Quinn is a member of the Board of Directors of CedarStone Bank. Dr. O’Quinn is a medical doctor who has been in private practice in Lebanon, Tennessee since 1987. He received an A.B. degree from Princeton University in 1976, and the M.D. degree from Washington University in St. Louis in 1981. Dr. O’Quinn did his post graduate training at Barnes Hospital, Washington University, in Otolaryngology/Head and Neck Surgery. He is President of Cadbury Properties, Inc., a general construction/real estate investment company that he founded in 1997. Dr. O’Quinn has been a member of Real Estate Investors of Nashville (REIN) since 1999. He has been Medical Director for Cumberland Sleep Consultants, a private sleep lab in Lebanon, Tennessee, since 2004.
- Incorporator / Director
- Mr. Steed is a lifelong resident of Wilson County. He graduated from Lebanon High School in 1968, and graduated from Cumberland University in 1988, with a Bachelor of Business Administration Degree, with Highest Honors. Mr. Steed enlisted in the Tennessee Army National Guard in 1971, and was commissioned in 1976 as a Second Lieutenant. He has served at many levels in the National Guard, including Company and Battalion Commander, Deputy Chief of Staff at State Headquarters, and retired in 2005 as a Colonel. In 1971, Mr. Steed and his brother co-founded Steed Brothers Contractors, LLP, a construction services company in Lebanon. Mr. Steed also served on the Community Board of Directors of SunTrust Bank in Lebanon, Tennessee. He has an on-going farming operation with his son and son-in-law. Mr. Steed is a charter board member and vice president of Wilson County Promotions, Inc. (Sponsor of the Wilson County Fair), and Chairman of the Joint Economic and Community Development Board of Wilson County. He is a charter member of the Lebanon Breakfast Rotary Club and the Chairman of the Lebanon Board of Zoning Appeals. Mr. Steed is also a past president of the Lebanon/Wilson County Chamber of Commerce.
- Incorporator
/ Director - Paul B. Vantrease, Jr. is an incorporator and
a member of the Board of Directors of CedarStone Bank. Mr. Vantrease
is a partner in the accounting firm of Dempsey, Vantrease and Follis.
He has been a partner with the firm and its predecessor since 1983.
Mr. Vantrease received his associates degree from Cumberland University
and his BS from Tennessee Technological University. His professional
designations include being a Certified Public Accountant (CPA), Personal
Financial Specialist, and a member of the American Institute of Certified
Public Accountants and the Tennessee Society of Certified Public Accountants.
His community activities include membership to the Lebanon Breakfast
Rotary Club, participation with
Junior Achievement, Lebanon High School Booster club, and past-president
of the Cumberland University Alumni Association.
- Incorporator
- Robert L. Wood, Jr. is President of RE/MAX Carriage House
Real Estate. He is a graduate of DuPont High School in Old Hickory,
Tennessee, and Vanderbilt University, where he received his BA and
his MBA. Mr. Wood's achievements include the "Realtor of the
Year" award from the Wilson County Association of Realtors.
He is a former board member and president of the Mt. Julie t/ West
Wilson Chamber of Commerce, a former board member and president
of the Wilson County Association of Realtors, a former Regional
Vice President of the Tennessee Association of Realtors, and the
recipient of the "Educator of the Year" award presented
by the Tennessee Association of Realtors. His professional designations include ABR, CRB, CRS, e/Pro, and GRI. Mr. Wood is a graduate of Leadership Wilson, and he also coaches youth soccer.
- Incorporator / Director / President / CEO -
Robert L. McDonald is an incorporator of the Bank.
He is the President, CEO, and a member of the Board
of Directors of CedarStone Bank. Mr. McDonald was born and raised
in Nashville, Tennessee. He graduated from Goodpasture Christian
School in 1979, and the University of Tennessee in 1983, with a
BA in Economics. With a background in government and hospitality,
he began his banking career in Nashville in 1985. Mr. McDonald was
named Community President of SunTrust Bank in Wilson County in June,
1995. His local activities include: past president and board member
of the Wilson County Community Help Center; past president and board
member of the United Way of Wilson County; past president and current
board member of the Wilson County Chapter of the American Heart
Association; past chairman and board member of the Lebanon/Wilson
County Chamber of Commerce; board member of Wilson County Promotions
(Wilson County Fair Board), member of Lebanon Noon Rotary Club;
recipient of the 2001 Wilsonian of the Year Award presented by
the Mt Juliet/West Wilson Chamber of Commerce; and member of the
Board of Trust of Cumberland University, currently serving on the
Finance Committee, Development Committee, and Academic Affairs Committee.
- Executive Vice President / Senior Credit
Officer - William H (Hank) Stuart is a graduate of Auburn
University. Since October 1997, Mr. Stuart has been the Chief Financial
Officer of Digital Technologies Group, Inc. He was responsible for
new equity funding, strategic planning, bank and audit relations,
budgeting, capital planning, cash management, contract negotiations,
facilities management, internal controls, and administrative services.
Prior to that position, Mr. Stuart was with SunTrust Bank in numerous
capacities. He was Relationship Management / Commercial Team Leader
and Group Vice President. He was responsible for growth, asset quality,
and management of a diversified loan portfolio. Mr Stuart is an
experienced achiever in managing commercial and professional banking
relationships, and is a proven performer in managing teams of lenders
and consistently exceeded personal and team goals. Mr. Stuart is
an exceptional credit underwriter with strong analytical skills,
and documented success in all areas of credit administration. Mr.
Stuart's community involvement includes Boy Scouts, Fellowship of
Christian Athletes, Sara Lee Classic, Project Pencil, and various
Chamber programs.
- Senior Vice President, Cashier, and Operations Manager
– Tina Winfree is a magna cum laude graduate of David
Lipscomb University with a Bachelor of Science Degree in Finance
and Economics. She graduated as Valedictorian at Lebanon High School.
Her most recent job was Deposit Operations Manager at Bank of the
South in Mt. Juliet, Tennessee. Ms. Winfree, a resident of Lebanon,
has more than ten years of banking and accounting experience. She
was an accounting manager at the regional accounting office of The
Kroger Company. She also worked for many years at Wilson Bank &
Trust in the accounting and bookkeeping departments. She is an active
volunteer for the American Cancer Society and the ACS Relay for
Life. She currently serves as the Treasurer for the Wilson County
area.
Senior Vice President/CFO – Kenneth K. Mattox is a graduate of Austin Peay State University. Before joining CedarStone Bank he served as Executive Vice President and Chief Financial Officer of PrimeTrust Bank, Nashville, Tennessee. His responsibilities included but were not limited to all duties of the CFO area and operations, financial reporting, general accounting, regulatory filings, budgeting, Asset/Liability Management Committee, Investment Committee participation, attending Audit Committee, Security Officer and Bank Secrecy Act Officer, strategic planning and budgeting. Prior to that position, Mr. Mattox was Audit Manager for Wiliams, Crosslin, Sparks, & Vaden, P.C., CPAs, Nashville, Tennessee. From 1977 until June 1995, he was with Third National Corporation, Nashville. For several years during that time he served as Vice President and Assistant Controller. Mr. Mattox is a Certified Public Accountant and a member of the American Institute of CPA’s, Tennessee Society of CPA’s, and the Institute of Management Accountants.
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Robert
L. McDonald
William
H. (Hank) Stuart 
Tina
Winfree
Kenneth K. Mattox –
