Robert L. Johnson

ROBERT L. JOHNSON has been the President and Chief Executive Officer of
Charter Bank since 1996. Prior to that time, he served as Financial
Analyst, then Senior Vice President and Chief Financial Officer. He
began continuous service with CharterBank in 1984. Mr. Johnson has an
undergraduate degree from Vanderbilt University and a Master’s Degree in
Business Administration with a concentration in Finance from the
University of Alabama. He is a graduate of the Graduate School of
Community Bank Management. He is also currently on the Boards of
Chattahoochee Valley Hospital Society and is Chairman of The Charter
Foundation. Mr. Johnson is also affiliated with the West Point Rotary
Club. Mr. Johnson is the son of John W. Johnson, Jr.