MEET THE NEW KBA BOARD MEMBERS Julie Hower, KBA Vice Chairman Julie Hower is the Chairman, President & CEO of Farmers & Drovers Bank in Council Grove. She has previously served on the KBA State Affairs Committee as Chairman, KBA Board and in the BLOK class of 2007. Julie earned her Bachelor of Science from Kansas State University and her Juris Doctor from the University of Kansas. She is married to her husband, John Hower and has two daughters, Hailey and Ally. In her free time, she enjoys golfing, traveling, cooking and K-State sports. Michael Black, Regional Representative Michael S. Black is the President & CEO of ESB Financial in Emporia. Prior to his current position, he served as the VP Regional Manager at CoreFirst Bank & Trust in Emporia from September 1997 to September 2011. Michael earned his Bachelor of Science in Business Administration from Emporia State University and is an alumnus of the Graduate School of Banking Colorado. He is married to his wife Tammy and has two sons, Cody and Tanner, who are both grown. In his spare time, he enjoys hunting, fishing, hiking and the outdoors. His goal is to have a bank examiner tell them they run a good bank. Lori Bone, Trust Division President Lori Bone is the Senior Vice President/Trust Officer of Fidelity State Bank & Trust Company in Dodge City. Lori had previously worked as a staff accountant at Landmark National Bank. She has served as a Trust Division Board Member since 2018. Lori earned her Bachelor of Science in Accounting from St. Mary of the Plains. She is married to her husband Joel and has two children, Jerica and Jonathan. In her free time, she enjoys hiking, camping, reading, working in the yard and riding motorcycles with her husband. Teri Ginther, At Large Representative Teri Ginther is the President and COO of Bankers’ Bank of Kansas in Wichita. She earned her degree from the University of Northern Colorado. She is married to her husband Paul and has three children and five grandchildren. In her free time, she enjoys KC Royals baseball, KU sports and whatever her grandchildren are doing. Although she does not have previous experience working on KBA committees, Teri is passionate about community banking and the issues impacting their ability to thrive and compete. Her 40 years of banking have provided her with a broad range of banking experience. She is both grateful and looking forward to the opportunity to help the KBA achieve its mission and goals. 20
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