A banking veteran of 36 years, Mr. Stephen W. Whatley recognized and embraced the need for a community bank that understands and values the needs of customers today. With that, he embarked on his mission to assemble a group of organizers that shared the same vision and in turn opened Southern States Bank. “I’m very enthusiastic, I’m very optimistic about our future, because I think there is a strong demand, maybe as strong as there has ever been, for independent banks that are locally owned by the communities that they are in and have input and representation from local boards that actually have authority,” said Steve Whatley in February 2007. The optimism greatly spread as Mr. Whatley and organizers raised in excess of $31 million in capital and in August 2007 Southern States Bank,
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