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 members. When we moved from there, we moved across the parking lot and
 had a larger space. My office was upstairs and we had another person to help
 me. We had a very small area. Credit unions, when they began, of course,
 now this was thirty years ago .. I've watched our credit union go from nothing to
 now, we're about $40,000,000 in assets. We have about 3200 members. I
 think our assets are actually about $37,000,000. We've gone from one person
 and now we have twelve employees. We have two branches. It's grown.
 Actually, Billy Gibson, I guess the best word for him is he's a futurist. He really
 is. He's an outside-the-box thinker, kind of person, which is wonderful. If I've
 learned anything, that's a very good thing, especially in this business to be.

[Interruption]

M: What I was going to tell you, is I told you they did the books by hand. He [Billy
 Gibson] thought, well, this is antiquated. What he did, is he went to Sun Trust
 bank. They [Sun Trust Bank] had an in-house computer system then. Sun
 Trust was the bank of first-deposit for Sea Island Company. They put a lot of
 money through Sun Trust as a corporation. He said, our little credit union for
 Sea Island Company needs a data processing system. He said, what we need
 to do is, it is called batch processing, we would take all of our data in the
 evening, take it over to them, and they would input it. We would end up with a
 trial balance on that kind of format, which was really unusual for a credit union as
 small as ours. What it allowed us to do, was [to] grow. You didn't have to sit
 there and write everything by hand. Many, many years ago, credit unions would
 do their books by ledger cards. You would come in and make a deposit to your
 credit union account and they'd write $50. Balance, $50. Dividends, whatever.
 This allowed us the flexibility to grow. Everybody said, oh, I can't believe this
 credit union this size is going with a data processing system, but we did.
 Actually, one of the reasons he formed the credit union, because Gibson is the
 founder of this credit union, he was with a trucking company in Jacksonville. I
 think, he was a director of HR there and he came to Sea Island and saw a need
 for a credit union for the employees. He can tell you this better than I, but I think if
 they needed extra money they'd probably go to the company and say, I need
 some extra money. The credit union was a good vehicle. That was one of the
 reasons credit unions were formed. They are cooperatives. It's a group of
 people who get together and help themselves, if you will, a cooperative. In any
 event, he wanted to make sure that Sea Island Company employees could be
 home owners. Our main focus over all of the years that this credit union has
 been in existence has been home buying. That's our main focus. A lot of credit
 unions will do [loans]. We do car loans; we do all kinds of loans. We're very
 diverse, like I said. Our main focus is homes, still, to this day. It allowed Sea
 Island employees to purchase homes.

H: That was one of the questions I was going to ask. Of course, the credit union