About Us

Directors and Officers of Owen Financial Corporation

Standing:  Steve Pedigo, Michel King, George Allison, Bob Taylor and Tom Parker
Seated:  Ed Hines, Gordan Wells, Becky Brown and Tim Vest


Gordon L. Wells - Chairman
George L. Allison     Becky L. Brown, CPA
Charles E. Hines, CPA     Michel J. King, DDS
Thomas D. Parker, Jr.     Steven K. Pedigo
     Robert E. Taylor     Timothy L. Vest


Robert E. Taylor - President
Keith A. Knipstein, CPA - Vice President/Secretary/Treasurer



Directors and Officers of Owen County State Bank



Gordon L. Wells - Chairman
Steven K. Pedigo - Vice Chairman
George L. Allison     Becky L. Brown, CPA
Charles E. Hines, CPA     Michel J. King, DDS
Thomas D. Parker, Jr.    Robert E. Taylor
Timothy L. Vest  

President and CEO

Robert E. Taylor

Executive Vice President

Ruth A. Jones, SPHR, SHRM-SCP

Senior Vice Presidents

Danielle Conner, Loan Operations, Risk Management    Jerry Hays, Market Executive
Keith A. Knipstein, CPA, Chief Financial Officer    Rick A. Krouse, Operations/ISO

Vice Presidents

Sandra J. Bowman, Consumer Lending     Janet L. Burks, Marketing/Sales
Christopher A. Conner, Commercial Credit Analyst     Jerry Cravens, Senior Commercial Lender
  Rhonda Hinds, Senior Commercial Lender    Donna Murdock, Deposit Services
Bonnie Patton, Commercial Lending Sales Manager

Assistant Vice Presidents

Christina Baker, PHR, SHRM-CP, Human Resources     Karla Bixler, Bookkeeping
Michelle DeFord, Executive Secretary     Lisa Knapp, Branch Manager
Sandra McKay, Teller Operations     Matthew Michael, Collections/Security
Richard Morris, eBusiness Manager     Judy Scott, Branch Manager


Joan Barnett, Compliance     Joyce Graham, Cashier 

Owen County State Bank - A Community Partner

The bank has been an active partner with other community agencies to assess county needs in the areas of housing, health and safety, education and infrastructure improvement with joint programs, donations and discounted loans to address those needs.

Together with the Area 10 Agency on Aging, the bank provided funds to purchase ground, construction loans and a long-term mortgage for a 24-unit low-income elderly housing facility. Along with the Community Action Program, Owen County State Bank financed, at a discount, 12 homes to be renovated for rent or purchase to low-income families.

In addition to financial assistance in housing programs, the bank and its employees have made donations, served on volunteer committees and provided support to other projects including Emergency Rescue, EMS, local schools, utility needs and various civic endeavors and action coalitions.

Owen County State Bank Mission Statement

Our Mission

To meet the financial goals of our customers, serve our communities, empower our employees and provide profitable growth to shareholders.

Our Vision

To be the Bank of Choice for every customer - every time.

Our Values

  • Respect:  We respect and value others
  • Honesty:  We represent ourselves and our intentions truthfully
  • Responsibility:  We take responsibility for being at our competitive best

The History of Owen County State Bank

In 1922, the Citizens Bank of Freedom, Indiana was organized as a private bank. At the end of the twenties, many businesses had gone bankrupt, including several local banks. Citizens weathered the storm and was given the opportunity to expand and become the county seat bank.

On February 4, 1933, the bank opened for business in Spencer. In the same year, the bank was temporarily closed by President Roosevelt's "Bank Holiday". Awarded an "A" rating, the bank reopened as strong as ever.

Also in 1933, Citizens was issued a new charter, reorganizing it from a private to a state bank. With this change, the name Owen County State Bank was adopted.

Later years have brought branch location acquisitions and other additions to Owen County State Bank. The Gosport State Bank was added as a branch in 1945, and a Coal City Branch opened in 1966. The home office building was expanded in 1967, in 1972 a four bay autobank opened, and in 1989 a second autobank with a full-service automatic teller machine (ATM) went into operation on East Morgan Street. In 1991 a new ATM was installed in Babb's Super Valu, and one was added to our Gosport Branch. Construction was completed in 1996 and the Bank relocated the home office from South Montgomery Street to our current location on East Morgan Street. 

In July 2008 we opened our first banking center outside of Owen County, with a full service branch in Monroe County, at Kings Crossing east of Ellettsville on Highway 46.  In November of 2014 we expanded our presence with the opening of another full service branch on South Walnut Street just 2 blocks North of the Country Club Drive/Winslow Road intersection.


©2015 Owen County State Bank. Member FDIC. Equal Housing Lender - NMLS 518354.