Location: Dyersburg, Tenn.
Assets: $1.2 billion
No. of employees: 277
President and CEO: Jeff Agee

When First Citizens National Bank needed a new title to match a recently revamped role for its branch employees, it didn't turn to consultants. It asked the employees, as a way to engage them in the process of learning about changes in their responsibilities.

About 75 employees submitted entries, says Kerrie Heckethorn, the human resources officer at First Citizens. The winning entry was "financial experience specialist."

"They're the only person a lot of customers see, and their value is very high," says Heckethorn. "We wanted them to realize how important that position is."

First Citizens has about 20 branches, serving communities in middle and western Tennessee. Founded in 1889, the bank is celebrating its 125th anniversary, a milestone it is incorporating into events and contests throughout the year.

The employee who coined the "financial experience specialist" title, for example, won $125. So did the winner of the bank's annual mutual funds contest, typically held in the spring. Employees invest play money, and the best return wins a prize.

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