Austin Associates: Principals and Staff

	R. Hal Nichols Chairman Read Bio
Investment Banking and Strategic Consulting
	Craig J. Mancinotti Managing Director & Principal Read Bio My Vcard	Richard F. Maroney, Jr. Managing Director & Principal Read Bio My Vcard	Paul L. Simoff Principal Read Bio My Vcard	Troy W. Fleck Principal Read Bio
Financial Management - Asset Liability Consulting
	Robert J. Morgan Senior Consultant Read Bio My Vcard	Todd A. Togrul Managing Director & Principal Read Bio My Vcard	Thomas C. Hauck Managing Director & Principal Read Bio My Vcard
Financial Management - Profitability and Loan Pricing
	Jeffrey L. Morris Managing Director & Principal Read Bio My Vcard	Andrew E. Morgan Managing Director & Principal Read Bio My Vcard
Insurance and Financial Services
	James L. Harvin, III Managing Director Read Bio
Risk Management
	John Reisner Managing Director Read Bio	Beth A. Skillman Senior Consultant Read Bio My Vcard
Technology Solutions
	Michael A. Scott Managing Director Read Bio My Vcard	Stephen D. Heckard Managing Director Read Bio My Vcard

Staff

Matthew L. Wainscott Read Bio	Kristen E. Vaughn Read Bio	David B. Walter Read Bio
Nicholas R. Morgan Read Bio	Michael L. Williams Read Bio	Ryan P. McHugh Read Bio