Board of Directors
Keith is a graduate of Florida State University with a bachelor’s degree in Business Administration. He first joined First Federal in 1974. In 1981, he became the President, CEO, and Chairman of the Board. Under his leadership, the bank has grown from $10 million to over $1 billion in assets with more than 380 employees.
Keith is also widely involved in our local communities. He is a member and past president of the Rotary Club of Live Oak, and has been a board member for the Suwannee Valley Community Foundation, Haven Community Advisory Board, Heritage Parks and Gardens, and the Suwannee Valley Community Coordinated Child Care. He is also the recipient of the 2011 United Way Presidential Lifetime Volunteer Service Award, the 2010 President’s Council on Service and Civic Participation Call to Service Award, the 2009 Lake City Community College Distinguished Friend of the Foundation Award, and numerous others.
After completing his Bachelors in Finance at the University of Florida, Brian spent six years at First Federal managing all aspects of the treasury function, and managing the secondary marketing component of the mortgage business. He left First Federal to join Performance Trust Capital Partners in Chicago, where as a VP and Team Leader, he manages a team of advisors working with around 40 depository institutions. He also is an instructor at the affiliated Performance Trust University, a nationally recognized educational course for institutional fixed-income investors.
Brian is a Chartered Financial Analyst, a registered representative with FINRA, and maintains Series 7 and 63 licenses.
Larry’s banking career began in 1964 when he became a VP and Regional Retail Branch Manager at Citizens Bank of Maryland in Riverdale, MD. From there, he moved to Ohio to work at a variety of institutions including The Northeastern Ohio National Bank, National City Bank, and First Bancorporation of Ohio, where he was Executive Vice President and Senior Loan Officer. He officially retired from Riverside National Bank in 2002, and now works as a Senior Loan Consultant for Sheshunoff Management Services.
Larry was educated at Southeastern University and at the Stonier Graduate School of Banking at Rutgers University.
Philip J. Moses
Philip is a native of Lake City, Florida, and graduated from Spring Hill College in Mobile, Alabama in 1971 with a bachelor’s degree in Accounting. He then became a Certified Public Accountant and in 1972 joined the firm of Odom, Moses & Company, CPAs, and became the managing partner in 1987. In 1998, Philip obtained his Series 7 securities license and joined Raymond James Financial Services as a Financial Advisor. He currently holds Series 7, 9, 10, 31, and 66 securities licenses as well as Personal Financial Specialist certification.
Philip has been named to Raymond James Chairman’s Council for a number of years. He serves as Vice-Chairman on the Board of Directors of First Federal Bank of Florida, and is involved in several local non-profit organizations.
Ronnie is a native of Live Oak, Florida where he graduated from Suwannee High School. After graduating from Lake City Forest Ranger School, he continued his education and received his Bachelor of Science degree in Business Administration from Valdosta State College in 1971.
After a tour of duty in the Marine Air Reserve, Ronnie began his real estate career in 1978. In 1980, he became the office manager for the Century 21, Daniel Crapps Agency of Live Oak. In 1992, Ronnie established Poole Realty, Inc., specializing in farms, residential, and commercial properties for the Suwannee River Valley area.
Ronnie is also active in his community: he served as President of the Suwannee County Chamber of Commerce, was Chairman of the Suwannee County Development Authority, and was President of the Lake City Board of Realtors. He served as Chairman of the State Housing Initiative Program for Suwannee County and was Chairman of the Council for Progress. As a Rotary member for over 25 years Ronnie has served as Rotary club-president, is a Paul Harris fellow, was awarded the Service Above Self Award by the Live Oak Club in 1999, and served as the District Governor for Rotary Zone 6940 from 2001-2002.
Ronnie has served as a Director at First Federal Bank of Florida since 2005. He has been a board member at Lake City Medical Center since 2011 and on the Board of Directors at Advent Christian Village since 2013. As a member of the First Baptist Church, he has served as a deacon and a board director.
Stephen A. Smith
Stephen is a graduate of the University of Florida where he received his political science degree in 1969 and his Juris Doctorate in 1974. He has been a practicing member of the Florida Bar since 1974.
Stephen also served in the U.S. Army from 1971 to 1972. He currently practices law in the areas of personal injury, medical malpractice, and wrongful death.