Our Panel

Candice Bagby, senior executive vice president of consumer banking, AmSouth Bancorp, Birmingham, Ala.

John R. Elmore, executive vice president, U.S. Bancorp, Minneapolis

Gene Kirby, executive vice president and retail line of business manager, SunTrust Banks Inc., Atlanta

Ken Olan, executive vice president of retail banking and corporate marketing at Southwest Bancorporation of Texas, Houston