Location: Owensboro, Ky.
Assets: $1.9 billion
Employees: 316
President and CEO: Chris Reid

Career development/training program: Employees receive a gold coin each time Independences adds another $100 million in assets. Accumulating 10 coins gets an employee a chance to go to Disney World for three days of training in customer service excellence.

Community service initiative: Through the employee "Buzz" program, all those who perform community service projects throughout the year can be rewarded with cash bonuses and additional vacation days.

Bonus/incentive program: On average employees receive annual 3% raises in addition to 3% bonuses at year end.

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