Steve Whatley
Chairman & CEO

Shelia Wells
Executive Assistant


At Southern States Bank, The Common Sense Bank, it is our mission to provide our customers with an excellent banking experience by engaging customers in a rewarding relationship, delivering products and services tailored to meet their needs while enhancing and maintaining shareholder value.

A banking veteran of 40 years, Mr. Stephen W. Whatley recognized and embraced the need for a community bank that understands and values the needs of customers today. With that, he embarked on his mission to assemble a group of organizers that shared the same vision and in turn opened Southern States Bank.

The optimism greatly spread as Mr. Whatley and organizers raised in excess of $31 million in capital and in August 2007 Southern States Bank, The Common Sense Bank, opened offices in Anniston and Opelika simultaneously. Less than a year later, in February 2008, a third location was opened in Birmingham, followed by the acquisition of the Sylacauga office in May 2012.  In January 2015, two new offices were opened, one in Huntsville, AL and the first Georgia location in Columbus. A second office was opened in Columbus shortly thereafter, followed by a new location and office in Carrollton, GA.  In early 2016, a sixth Alabama location was opened in Auburn.  2018 marked our expansion in Georgia with another full-service office in Newnan.  In 2019, we acquired three new full-service branch locations, two in East Alabama in Wedowee and Roanoke, and one in West Georgia in Dallas.

At Southern States Bank, we believe the most important thing is our relationships with our customers. We are a true community bank that understands the importance and value of providing our customers with the products and services that best meet their banking needs. Staffed with seasoned bankers you know and trust, we are committed to carrying out our mission of providing our customers with the best service they should expect from their bank.

Headquartered in Anniston Alabama, Southern States Bank has 12 additional banking facilities in Alabama and Georgia and an LPO office in Atlanta. With a strong executive management team, in addition to a diverse and involved Board in place, we have also engaged Advisory Board representation in some of our markets to help facilitate local decisions and community involvement.


"I’m very enthusiastic, I’m very optimistic about our future, because I think there is a strong demand, maybe as strong as there has ever been, for independent banks that are locally owned by the communities that they are in and have input and representation from local boards that actually have authority."

Steve Whatley - 2007



Stephen W. Whatley

Chairman of the Board & CEO of Southern States Bancshares, Inc.

Mark Chambers

CEO & President of Southern States Bank

Lynn Joyce

Senior Executive Vice President & Chief Financial Officer

Greg Smith

Senior Executive Vice President & Chief Risk Officer

Jack Swift

Senior Executive Vice President & Chief Operating Officer

Jason Alderman

President of Calhoun & Cleburne Counties, AL

Brad Arnold

President of Muscogee County, GA

John McDaniel

President of Paulding County, GA

Dennis E. Elliott II

President of Talladega County, AL

Scott Jenkins

President of Jefferson & Shelby Counties, AL

Brett Johnston

President of Coweta & Fayette Counties, GA

Dan Rajczyk

President of Carroll County, GA

David Ridgeway

President of Metro Atlanta, GA

David Sears

President of Randolph County, AL

Jason Smith

President of Lee County, AL

Mark Thomsen

President of Cobb County, GA

Board Members

Lewis Beavers 2020

Lewis Beavers

Managing Partner, Lawrence, See & Beavers
Mark Chambers 2020

Mark Chambers

CEO & President, Southern States Bank
Al Hayes 2020

Alfred J. Hayes Jr.

Community Volunteer and Business Development, Southern States Bank
Brent Hitson 2020

Brent David Hitson

Partner, Burr & Forman LLP
Stacy Holmes 2020

Brian Stacy Holmes

President, Holmes II Excavation, Inc.
Cynthia McCarty

Cynthia S. McCarty

Professor of Economics Jacksonville State University
Jay Pumroy 2020

Jay Florey Pumroy

Partner, Wilson, Dillon, Pumroy & James LLC – Lead Director
Hank Smith 2020

J. Henry Smith, IV

Owner, Interstate Sheet Metal Company, Inc.
Henry Turner 2020

Henry Turner

Executive Director, Alabama Minority Business Opportunity Center.
Steve Whatley 2020

Stephen Woods Whatley

Chairman of the Board & CEO, Southern States Bancshares, Inc.


If you are interested in a career with Southern States Bank, we are interested in you. Southern States Bank is a true community bank that employs bankers who work and live in the communities we serve. We currently have ten locations in Alabama; Anniston, Auburn, Birmingham, Heflin, Huntsville, Opelika, Ranburne, Roanoke, Sylacauga, Wedowee, and five in Georgia; Carrollton, Columbus (2), Metro Atlanta (LPO), Dallas, and Newnan. Southern States Bank is an Equal Opportunity Employer.