Meet the Oconee State Bank Team
Executive Leadership Team
Commercial Lending Team
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Alan Brown
VP, Commercial Lender
Oconee(706) 769-3313
With 30 years at Oconee State Bank, Alan Brown has built a reputation for delivering thoughtful lending solutions with a personal touch. He specializes in residential construction loans and smaller commercial opportunities, helping clients turn visions into reality. Alan’s decades of experience and deep community ties allow him to provide guidance that is both practical and relationship-driven.
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Daryl Cohen
VP, Commercial Lender
Middle Georgia(478) 298-4811
With more than 30 years of experience in the Middle Georgia market, Daryl Cohen specializes in 1-4 family construction lending and development loans. His background in mortgage lending and personal experience in construction give him unique insight into his clients’ needs. Daryl and his wife, Angie, live in Macon where they are active members of Ingleside Baptist Church.
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Phillip Edwards
SVP, Community President
Athens(706) 310-2180 (678) 316-4870
Phillip Edwards brings 25 years of experience to his work with business owners and professionals. He specializes in medical, commercial, industrial, and owner-occupied credit financing, providing solutions designed to meet unique business needs. Phillip is passionate about supporting clients in a true community bank environment where relationships come first.
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Andy Flowers
SVP, Community President
Middle GeorgiaAndy Flowers brings more than three decades of banking experience to Oconee State Bank, having served in senior and executive management roles across Middle Georgia. He was previously the organizing executive officer of American Pride Bank and has served the region since 1988. Andy is a graduate of Presbyterian College and the Georgia Banking School and serves as a director of the Community Bankers Association of Georgia.
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Adam Frangos
VP, Commercial Lender
Gwinnett(505) 504-8945
Adam Frango helps business owners and professionals make confident financial decisions that fuel growth and stability. With a strong background in commercial and business banking, he partners with clients to optimize cash flow, structure financing, and navigate complex challenges. Known for his ability to listen and deliver practical strategies, Adam is committed to being more than a banker — he is a trusted partner invested in long-term success.
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Joe Godfrey
SVP, Community President
Gwinnett(678) 983-9425 (770) 616-4741
With more than 25 years in community banking, Joe Godfrey brings deep experience and a passion for serving others. He began his financial career at Gwinnett Community Bank in 1999 and joined Oconee State Bank in 2019. Joe previously spent 15 years in the automotive industry before transitioning into banking and is a past president of the Rotary Club of Gwinnett, remaining active in community service today.
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John Hunter
SVP, Community President
Tri-Cities(423) 914-9448
John Hunter is passionate about helping people and businesses thrive. With more than 20 years of banking experience, he takes time to listen and deliver solutions tailored to each client’s needs. In addition to his banking work, John serves as Mayor of Johnson City, reflecting his commitment to building a stronger community through integrity, transparency, and service.
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Hal Jackson
SVP, Community President
Oconee(706) 769-3618
Hal Jackson began his career with Oconee State Bank in 2002 and has spent more than two decades helping businesses succeed. Today, he oversees all market functions for the Oconee Market, including retail and lending. Hal specializes in commercial lending and enjoys working closely with business owners to provide tailored solutions that foster growth and success.
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Baxter James
VP, Commercial Lender
Middle Georgia(478) 521-8151
Baxter James brings 25 years of commercial banking experience, working with businesses across a variety of industries. A Georgia Southern University graduate, Baxter is passionate about music, coaching youth sports, and serving the community. He and his wife, Christi, have four sons and stay active with sports, music, and local events.
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Rob Matthews
SVP, Commercial Lender
Oconee(706) 769-3626
With over 40 years in banking — including more than 20 at Oconee State Bank — Rob Matthews brings unmatched expertise to his clients. He specializes in commercial lending and is passionate about helping businesses find the right financial solutions to grow and prosper. Rob’s experience and dedication make him a trusted advisor for business owners across the community.
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Michael Thigpen
SVP, Regional President
Southeast Georgia(912) 531-4453
Michael Thigpen brings 21 years of experience across multiple areas of banking, which his clients leverage to achieve their financial goals. A graduate of Georgia Southern University with a BBA in Finance, Michael also completed the Graduate School of Banking at LSU. He serves on the boards of The Mercy Ministries and Imago Dei Missions in Lyons, GA, and previously served on the Board of Directors for the Leadership Georgia Bankers Association.
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Dustin Vernon
SVP, Community President
Statesboro(912) 816-6670
With nearly 20 years of banking experience, Dustin Vernon leads Oconee State Bank’s presence in Statesboro with a relationship-first approach. He is active in civic leadership, serving with the Metter Downtown Development Authority, Metter Main Street Board, and Rotary Club of Metter. Dustin enjoys spending time with his wife, Amanda, and their two children and is an active member and deacon at First Baptist Church of Metter.
