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

Keith LeibfriedChairman 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

Pamela HittExecutive 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

Jim MosesExecutive 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

William Beardsley

VP & Compliance Director

David Brewer

VP & Chief Financial Officer

Ruby E. Davis

VP & Loan Operations Manager

Stacey Gamble

VP & Operations Manager

Michael Housch

VP IT & CTO

Georgia C. Jones

VP Credit & Chief Credit Officer

Park Jones

VP & Director Residential Lending

Stephanie McClendon

VP & Regional Sales Manager (West)

Charlene Mobley

Bank Card Manager

Eric Peters

VP & Regional Sales Manager (South)

Gigi Register

VP & Regional Sales Manager (East)

Sandy Spear

VP & Regional Sales Manager (North West)

Jan Turbeville

VP & Human Resource Director

Robert Turbeville

SVP & Director of Sales/Senior Lender

Karen Warner

Customer Service Manager