SIG 4
Page 20

 take care of.

H: Did you have to put in a lot of overtime?

M: Yes, at first, just to get things done. I'm sure you do. You're sitting here right
 now doing this. That's just part of it. I've always worked hard.
H: Mr. Talley, when I asked him about his hours, his were just office hours,
 eight-thirty to five, Monday through Friday.

M: That was nice.

H: But you put in a lot more hours?

M: I did. Also, going to seminars on weekends and during the week. I have been
 very fortunate. There are a lot of small credit unions that their employees
 couldn't go away to the seminars, but we always did, which was a good thing for
 a multitude of reasons.

H: You felt like you could expand on your knowledge base by taking these seminars.

M: Certainly. I think they helped the credit union. Now, you need it from a
 regulatory standpoint also, but it helped me know what was out there.

H: Was the credit union modeled on anything? Or do you think it just evolved
 itself?

M: It didn't evolve itself. You have a business plan. It wouldn't have evolved itself.
 You have a purpose and a direction and a plan, which we did.

H: You said, you don't have any children. I was going to ask you if you would
 encourage your children to work for Sea Island.

M: If I had any.

H: That says something about your relationship with the company. Is there anything
 you would like to add that I didn't cover that you feel should be noted about your
 work?

M: No, I think we've pretty well covered everything. I hope your report goes well. I
 hope I was able to give you a little bit of information that you might be able to
 use.


H: Well, I think that's it. Thank you very much.