SOUTHWEST

Hibernia National Bank, New Orleans, has promoted Stan Demarest, Rissi A. Lovern, and Henry C. McCarthy Jr. to senior vice president from vice president.

Mr. Demarest is in charge of small-business marketing and product development. He is responsible for small-business product management, development, marketing and coordinating research.

Ms. Lovern, in the business banking department, manages small-business underwriting and credit scoring groups. She is responsible for credit risk management and systems development.

Mr. McCarthy is a manager in the bank's private banking group. He was a relationship manager.

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