Executive Team


Built upon a well-respected reputation, First Federal Bank of Florida senior management along with their associates, share a vision to deliver exceptional service and value. Leading an organization that fulfills customers financial needs from checking to retirement planning, business banking, commercial loans and investments requires knowledge and expertise.

Keith C. Leibfried
Chairman of the Board, CEO and President since 1980. Mr. Leibfried joined the company in 1974. Mr. Leibfried was most recently named to Suwannee Valley Community Foundation, Lifestyle Enrichment Center Capital Board and he has served on numerous local boards and received recognition for Business Entrepreneur of the Year.



Pamela K. Hitt
Executive Vice President and Chief Operating Officer since 1999. Ms. Hitt joined the company in 1992. She is active in Altrusa International of Lake City, Florida. Prior to joining First Federal Bank of Florida, Ms. Hitt was with First National Bank of Live Oak, Florida.



Jim Moses 
Executive Vice President since 1996. Mr. Moses has been involved in banking since 1979 and has previously served on numerous local boards. He is currently a board member of the local United Way and Boys Scouts of America. Prior to joining First Federal Bank in 1992, Mr. Moses was with Barnett Bank of North Central Florida.


Management Team


Kathy Baird
VP & Branch Operations Officer

David Brewer
VP & CFO

Stacey Gamble
VP & Operations Manager

Georgia C. Jones
VP Credit & CCO

Susan Lance
VP & Marketing Director

Charlene Mobley
Bank Card Manager

Jan Turbeville
VP & Human Resource Director

Karen Warner
Customer Service Manager

William Beardsley
VP & Compliance Director

Ruby E. Davis
VP & Loan Operations Manager

Michael Housch
VP IT & CTO

Park Jones
VP & Director Residential Lending

Stephanie McClendon
VP & Regional Sales Manager (West)

Gigi Register
VP & Regional Sales Manager (East)

Robert Turbeville
SVP & Director of Sales/Senior Lender