On June 1, 1972, I graduated from A.L. Brown High School in Kannapolis, N.C.  I was salutatorian.

On May 15, 1976 graduated from North Carolina State University with a B.S. in Statistics.  Other courses included:  accounting, economics, chemistry, biology, genetics, physics, and industrial engineering.

Fall of 1977, took Operations Management and Business Law.

1978-1979 took Intermediate Accounting courses.

In 1984, passed the final tests and received Certification in Data Processing (CDP – now known as CCP) from ICCP. 

In 1984 completed course work and received the General Banking diploma from the American Bankers Association.

In Octob