Community Depository Institutions Advisory Council (CDIAC)

The Atlanta Fed's Community Depository Institutions Advisory Council (CDIAC) was founded in 2011 and meets twice a year.The chair of the Atlanta Fed's CDIAC, David R. Melville III of Business First Bank in Baton Rouge, Louisiana, is the Bank's representative to the national CDIAC, which also meets twice a year to advise the Federal Reserve Board.

Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, each Federal Reserve District has established a CDIAC to systematically include the views of community depository institutions in the policymaking process. CDIACs provide input to the Board on the economy, lending conditions, and other issues related to community banking.

Brad M. Bolton
President, Chief Executive Officer, and Senior Lender
Community Spirit Bank
Red Bay, AL 35582

Linda Cencula
President and Chief Executive Officer
Avadian Credit Union
Hoover, AL 35244

Tyler Clinch
Chief Executive Officer and President
First Community Bank of East Tennessee
Kingsport, TN

Hugh Dailey
Market President, North Florida
MIDFLORIDA Credit Union
Ocala, FL

Carlos R. Fernandez-Guzman
President and Chief Executive Officer
Pacific National Bank
Miami, FL

Caren C. Gabriel
President and Chief Executive Officer
Ascend Federal Credit Union
Tullahoma, TN

Edward J. "Ed" Langton
Chairman of the Board and Chief Executive Officer
Grand Bank for Savings, FSB
Hattiesburg, MS

David R. "Jude" Melville III
President and Chief Executive Officer
Business First Bank
Baton Rouge, LA

Damon Moorer
President and Chief Executive Officer
TCM Bank
Tampa, FL

Spence Mullis
President and Chief Executive Officer
Morris Bank
Dublin, GA

Kim Davis Wilson
President and Chief Executive Officer
OneSouth Bank
Blakely, GA