Bluebonnet Savings Bank, Dallas, has promoted Daniel J. Baxa, Carolyn J. Ratliff, David S. Riemer, and Steven J. Smith to vice president.

Mr. Baxa is director of internal audit. Before he joined the bank in 1992, he had held audit posts at Bank One Texas and MeraBank.

Ms. Ratliff manages the liquidity investment portfolio. She has worked at Bluebonnet since its founding nine years ago.

Mr. Riemer is responsible for financial reporting and systems analysis. He, too, joined Bluebonnet at its founding.

Mr. Smith, senior lender, manages the bank's loan portfolio. He joined in 1991 from the Office of Thrift Supervision.

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