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H: At least, in the beginning [of their employment]. I don't know about today,
 presently, but it's probably not like that anymore because [Sea Island company]
 was [a lot] smaller [then]. It seems to be a characteristic [in earlier times] that
 people could multi-task.

M: Well, probably because it was small, like you said. As we have grown in the
 credit union, I did everything. I don't know, maybe that's because it's a woman
 thing, but I did everything. It's hard, even now, after all this time, and of course
 you have to do it and it gets easier, also, to let go of things. I did everything.
 As we grew, I had somebody that helped me and then she became the teller, but
 I was still the teller. That's true in the industry of the credit unions. I can think
 of the Interstate Credit Union in Jesup. They started with the wife and husband.
 It was the Interstate Pulp Mill, in Jesup, Georgia. They started with the
 husband and wife in their dining room; they ran the credit union. It was very
 small. It was for those employees. They grew, so they did everything. He
 would go to the mill and they would want a loan application and he'd bring it
 home to 'mother,' is what he called Imogene, Boatright. He would bring it home
 to mother and they would approve the loan and then he'd take the money, back
 to the mill. That's the nature of credit unions. Like I said, it's the cooperative
 thing. I did everything. Now, even in the past five to six years, we have
 become to the point where we're starting to departmentalize. I have an
 accounting lady who does all of our back office and accounting functions. I'm
 not a teller anymore, unless it's an emergency, and then they really don't want
 me to be, but we have our loan department. I have two loan ladies. I have an
 assistant, who I could not operate without, who does my secretarial things. Over
 the years, because of our growth, we've had to do that. It just gets more than
 one person can handle.

H: In [earlier] times, such as in the 1970s, African Americans were unable to get
 loans from the banks. [Some Sea Island employees] from previous interviews
 say one of the functions of the credit union was to be able to loan [African
 Americans] money. Did you get a lot of African-Americans in during the early
 times? Did they borrow money for houses?

M: Oh, sure, certainly. I think one of the first loans we made, and I think it's on the
 St. Simons office, we framed. You know how Burger King, for example, will put
 their first dollar up? Well, we framed our first loan. It was on one small piece of
 paper. It was for $250, I think. It was the very first loan, we made. That was to
 an African-American. I don't remember what the purpose [for the loan] was.

H: I just thought that was a great thing at that time because they couldn't go to
 banks.

M: That's why Mr. Gibson did that. That's, literally, why he formed the credit union.