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Join us on this episode in welcoming Winnsboro State Bank's Howard Dee Smith (President and CEO).  Howard Dee recounts a lively story of Winnsboro's rapid acceleration over the past three years and shares some tips to their overwhelming success.  Listen in for a thoroughly entertaining, and informative, conversation.

:15 - Introduction to Winnsboro and Howard Dee

7:50 - How to rocket launch a stagnant bank  

14:10 - How to "turn on the loan engine"

19:00 - Learning from the past, tips to managerial success

23:30 - Plans for the future

30:00- Big-bank failures and the community-banking world

37:00- Smith family adventures