(812) 829-4811

Growing With You


Our Staff & Directors

Our Philosophy

At Owen County State Bank we take great pride in being a small community Bank and we know with pride comes responsibility. That's why we are happy to be expanding the same great local personal service we've been offering in Owen County for over 85 years to the citizens and businesses in our surrounding neighbor counties of Monroe and Greene. We take our role as a COMMUNITY bank seriously and know that the only way to be a good business partner is to be a great community partner and that means supporting local schools, organizations and the causes important to the areas we serve. Our biggest asset is our people and we believe in treating all our customers as family, not numbers. We embrace that by making all lending decisions locally, which allows us to not only make quick approvals but know you and your needs. We truly believe that as a small, local bank we can do big things for you.


Gordon L. Wells headshot

Gordon L. Wells
Retired CEO/President

Charles E. Hines headshot

Charles E. Hines
Retired CFO

Robert E. Taylor headshot

Robert E. Taylor

Becky L. Brown headshot

Becky L. Brown
Brown & Associates

Michel J. King headshot

Michel J. King

Steven K. Pedigo headshot

Steven K. Pedigo
Retired Owner
West Parrish Pedigo Funeral Home

Timothy L. Vest headshot

Timothy L. Vest
General Interiors

Scott Rink headshot

Scott L. Rink
Commercial Service

David Reed headshot

David Reed
Multiple businesses

Senior Management

Bob Taylor in front of branch

Robert E. Taylor - President / CEO (Bob)

A native of Bloomington, Indiana, and graduate of Bloomington North and Indiana University, Bob as President & CEO is responsible for the daily operations of the Bank, as well as the long-run strategic direction of the Bank. Bob has 39 years' banking experience and has been an executive officer for over 20 years. Under Bob's leadership, the Bank has experienced steady growth and has opened four new Banking Centers (Bloomington, Linton, Bloomfield, and Bedford) and a new Lending Center in Bloomington. Bob's passion is to make sure that all employees do everything they can to fulfill the Bank's mission statement.

Danielle Conner posing outside

Danielle Conner - SVP Risk Management/Lending Operations

Danielle is a native of Spencer, Indiana and a graduate of Owen Valley High School. She earned her Bachelor's Degree in Business Management from Indiana Wesleyan University. She graduated from the Graduate School of Banking in 2017. She is responsible for risk management, lending operations and compliance oversight for the Bank. Danielle also leads our marketing and is actively engaged in community outreach. Danielle lives in Spencer with her husband Chris and their son Matthew.

Jerry Hays headshot

Jerry Hays - SVP Market Executive

A lifelong resident of the area, Jerry is responsible for business development across all lines of business in the Bloomington and Bedford Indiana markets with a focus on developing new relationships with business owners.

Keith Knipstein in front of a tree

Keith Knipstein - SVP CFO

Keith is currently CFO of Owen Financial Corporation and Owen County State Bank. He is responsible for finance, accounting, treasury and human resources. He has worked in Banking over 20 years including 6 years in public accounting where he specialized in auditing and consulting for financial institutions ranging from $50 million - $3 billion. Keith is a Certified Public Accountant, a member of the Indiana CPA society and a 1993 Ball State University Miller College of Business graduate. Keith lives in Bloomington Indiana with his wife Stephanie and their three children.

Rick Krouse outside the bank branch

Rick Krouse - SVP Operations

Rick Krouse is a graduate from Indiana University Kelly School of Business and has over 38 years banking experience. Rick oversees the internal operations, information technology, and data processing areas of the Bank; responsible for Core system management and delivery of electronic customer services. He manages the information security, business continuity, and vendor management programs for the Bank as well.

Commercial and Mortgage Lenders

Tracy Bailey headshot

Tracy Bailey
(NMLS ID - 1299584)
VP Market Executive
Bedford Banking Center
(812) 804-1013

Eric Baird headshot

Eric Baird
VP Commercial Banker
Kings Crossing Banking Center
(812) 935-4816

Randy Bush headshot

Randy Bush
(NMLS ID -1960816)
Mortgage Loan Originator
Bloomington Banking Center
(812) 935-0412

Justin S. Chaney

Justin S. Chaney
(NMLS ID – 1648284)
Mortgage Loan Originator
Bloomfield Banking Center
(812) 384-0054

Mike Chestnut headshot

Mike Chestnut
VP Market Manager
Bicknell Banking Center
(812) 757-4368

Krystal Cook headshot

Krystal Cook
(NMLS ID – 1590177)
Mortgage Loan Originator
Bloomington Lending Center
(812) 935-5635

Jerry Cravens headshot

Jerry Cravens
VP Senior Commercial Lender
Spencer Banking Center
(812) 829-4811 ext. 282

Sara Glass headshot

Sara Glass
(NMLS ID - 763400)
Mortgage Loan Originator
Spencer Banking Center
(812) 829-4811 ext. 234

Randy Goodman headshot

Randy Goodman
VP Senior Commercial Lender
Bloomington Banking Center
(812) 935-0411

Tina Jackson headshot

Tina K. Jackson
(NMLS ID - 1488228)
Mortgage Loan Originator
Spencer Banking Center
(812) 829-4811 ext. 212

Matthew Montgomery headshot

Matthew Montgomery
(NMLS ID - 794122)
VP Consumer Lending
Bloomfield Banking Center
(812) 384-0054

Marilyn Price headshot

Marilyn Price
VP Commercial Lender
Bloomington Lending Center
(812) 935-5634

Banking Center Managers

Angie Bainter headshot

Angie Bainter
Assistant Vice President
Banking Center
(812) 829-4811

Kimberly Baird headshot

Kimberly Baird
Assistant Vice President
Banking Center
(812) 879-4218

Michelle Jenkins headshot

Michelle Jenkins
Assistant Vice President
Banking Center
(812) 840-1012

Cheryl Otten headshot

Cheryl Otten
(NMLS ID - 610679)
Assistant Vice President
Bicknell Banking Center
(812) 757-4352

Brad Pressley headshot

Brad Pressley
Assistant Vice President
Ellettsville Banking Center
(812) 935-4814

Niki Tennant headshot

Niki Tennant
Assistant Vice President
Banking Center
(812) 847-5047