Central Bank and Trust of Lexington, Ky., a subsidiary of $840 million-asset Central Bancshares there, has named Margaret Athon as retail banking officer of its downtown Lexington banking facility.

She succeeded Sheila Plymale, who was recently named assistant vice president of training.

Ms. Athon was a Realtor at Rector-Hayden Realtors in Lexington for three years. Before that she had been a retail officer at $9.9 billion-asset National City Bank of Kentucky in Louisville. She has 25 years of banking experience.

She reports to Bill Potter, vice president of retail banking.

WEST Ohio Savings Bank has hired Henry Barica, the sales chief of PMI Mortgage Insurance Co., to market its own wholesale purchase program to mortgage companies and other originators throughout Orange County, Calif.Mr. Barica, whose title will be account executive in the wholesale mortgage banking division, will be based in Mission Viejo and will report to Kelvin Fynardt, the bank's Pacific Northwest manager. Mr. Fynardt works out of Seattle.

Mr. Barica was the managing sales director at PMI, which is based in San Francisco, for seven years. He has 12 years of experience in the mortgage and insurance industries.

Ohio Savings Bank is based in Cleveland and has $9.5 billion of assets.

Vail Banks Inc. in Colorado has promoted Tricia Maxon from executive vice president to president of its Bank of Telluride.She reports to Dan Godec, president and chief executive officer of WestStar Bank, the Vail Banks' subsidiary that bought Bank of Telluride last year.

Ms. Maxon joined Bank of Telluride last year as executive vice president. She had been a senior vice president at First National Bank in Telluride for seven years.

She is a member and former president of the Telluride Regional Chamber of Commerce board. She has 15 years of banking experience, including a vice presidency at Chase Manhattan Bank for three years.

Vail Banks has $471 million of assets.

Fallbrook National Bank in California has hired Michael Patterson as chief administrative officer.His responsibilities will include heading the expanding retail banking and operations divisions. He will report to Thomas Swanson, president and CEO.

Mr. Patterson was a relationship manager at Cohen Brown Management Group, a Los Angeles bank consulting firm, for two years. He has 15 years of experience in retail banking management, sales, business development, operations, and human resources.

Fallbrook National is a subsidiary of Fallbrook-based Community Bancorp, which has $233 million of assets.

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