THE CHRONICLE1111 King StreetP.O. Box 20548

Charleston, SC 29403Phone: (843) 723-2785

Fax: (843) 737-5443E-mail: chaschron@aol.comwww.charlestonchronicle.netJ. JOHN FRENCH, SR.

President/Editor//Publisher EmeritusTOLBERT SMALLS, JR.

Publisher/ Ad Director

DAMION SMALLSEditor/Web Manager

VALENTINA SMALLSAccounting/Advertising

SIMONA A. FRENCHReceptionist - Traffic

Contributing Writers-Hakim Abdul-Ali

Beverly BirchBarney Blakeney

Kurt WalkerDEADLINE:

MONDAY at 5:00pm PRIOR TO WEDNESDAY!PUBlICATION

Published WednesdayPrinter:!The Evening Post

MEMBER OF THENATIONAL NEWSPAPER

PUBLISHER"S ASSOCIATIONMEMBER OF THE SOUTH CAROLINA

PRESS ASSOCIATION

Credo of The Black PressThe Black Press believes that Americacan best lead the world from racial andnational antagonism when it accords toevery person, regardless of race, creedor color, his or her human and legalrights. Hating no person, fearing noperson, the Black Press strives to helpevery person in the firm belief that allpersons are hurt as long as anyone isheld back

The Chronicle2 - July 27, 2016 www.charlestonchronicle.net

Directing Dollars...- cont. from pg. 1

Grant also cautioned Blackconsumers to be mindful of thevoluminous requests that thebanks are receiving on-line, inperson and by telephone. Hestated: "This is a very positive de-velopment for Black banks.They have always provided a dis-proportionate share of the smallbusiness loans and consumerloans to African-Americans.Ironically, it seems that we havegone full circle back to where wewere before desegregation. TheBlack community is turning in-ward and seeking to provide se-curity for itself. And few wouldargue against the notion thatnearly every major social issueplaguing Black people in Amer-ica can find its roots in economicdeprivation.

The National Bankers Associa-tion, founded in 1927, is a consor-tium of African-American,Hispanic, Asian, Native Ameri-can and women-owned banks.The organization is headquar-tered in Washington, D.C.

The following is a listing of allNBA banks in the Southeast:

ALABAMACommonwealth National BankP. O. Box 2326Mobile, AL 36652(251) 476-5938, X105(251) 476-9488 FaxREGION I - African-American

Neill W. WrightPresidentLiberty Bank and Trust660 Adams AvenueMontgomery, AL 36104(334) 262- 0800(334) 262- 0838 Faxnwright@libertybank.net

REGION I - African-American

CALIFORNIAWilliam LuPresident & CEOSaigon National Bank15606 Brookhurst StreetWestminster, CA 92262(714) 338-8700(714) 338-8730 Faxblu@SaigonNational.comREGION V-Asian-Vietnamese

Kevin CoheePresident / CEOOneUnited Bank3863 Crenshaw Blvd.Los Angeles, CA 90016kcohee@oneunited.comREGION V - African-American

Robert LussierPresident & CEOTrans Pacific National Bank55 Second Street, Suite 100San Francisco, CA 94105(415) 543-1052(415) 543-3377 Faxrlussier@tpnb.comREGION V - WOB

DISTRICT OF COLUMBIAB. Doyle Mitchell, Jr.President & CEOIndustrial Bank4812 Georgia Avenue, NWWashington, DC 20011(202) 722-2014(202) 722-2040 Faxdmitchell@industrial-bank.comREGION II - African-American

FLORIDAKevin CoheePresident / CEOOneUnited Bank3275 NW 79th St.Miami, FL 33147kcohee@oneunited.comREGION I - African-American

GEORGIACynthia DayPresident & CEOCitizens Trust Bank75 Piedmont AvenueAtlanta, GA 30303(404) 575-8300(404) 575-8311 FaxCynthia.Day@CTBATL.comREGION I - African-American

Robert E. JamesPresidentCarver State BankP. O. Box 2769Savannah, GA 31402(912) 233-9971(912) 232-8666 FaxRJames@carverstatebank.comREGION I - African-American

KANSASSachitra PadamabhanChairman & PresidentCBW BankP. O. Box 287Weir, KS 66781(620) 396-8221(620) 396-8402 FAXsuchitra@cbwbank.com

REGION III-AsianAlden J. McDonaldPresident & CEOLiberty Bank & Trust1314 N. 5thKansas City, KS 66101913-321-7200ajmcdonald@libertybank.netREGION III - African-Ameri-can

KENTUCKYPedro A. BryantChairman, President & CEOMetro Bank900 S. 12th St.Louisville, KY 40210(502) 775-4553(502) 775-5323 FAXpedrob@metrobankky.comREGION III - African-Ameri-can

ILLINOISAlden J. McDonald, Jr.PresidentLiberty Bank & Trust Co.1111 S. Homan AvenueChicago, IL 60624(773) 533-6900, X239(773) 533-8512 Fax

ajmcdonald@libertybank.netREGION III - African-Ameri-can

Seaway Bank & Trust Com-pany645 East 87th StreetChicago, IL 60619(773) 487-4800(773) 487-0452 Faxexecdesk@seawaybank.usREGION III - African-Ameri-can

Frank WangPresidentInternational Bank of Chicago1860 North Mannheim RoadStone Park, IL 60165(708) 410-2899(708) 410-2696 FaxRobert.Klamp@INBK.comREGION III - Asian

LOUISIANAAlden J. McDonald, Jr.President & CEOLiberty Bank & Trust CompanyP. O. Box 60131New Orleans, LA 70160(504) 240-5161(504) 240-5166 Faxajmcdonald@libertybank.netREGION I - African-American

MARYLANDJoseph HaskinsChairman & CEOThe Harbor Bank of Maryland25 West Fayette StreetBaltimore, MD 21202(410) 528-1882(410) 951-1858 Faxjhaskins@theharborbank.comREGION II - African-American

MASSACHUSETTSKevin CoheeChairman & CEOOneUnited Bank100 Franklin Street, Suite 600Boston, MA 02110(617) 457-4400(617) 457-4435 Faxkcohee@oneunited.comREGION II - African-American

MICHIGANBarry ClayPresident & CEOFirst Independence Bank44 Michigan AvenueDetroit, MI 48226(313) 256-8466(313) 256-8811 Faxbclay@firstindependence.comREGION III - African-Ameri-can

Alden J. McDonaldPresident & CEOLiberty Bank & Trust9108 Woodward Ave.Detroit, MI 48202313-873-3310

ajmcdonald@libertybank.netREGION III - African-Ameri-can

MISSISSIPPIAlden J. McDonaldPresident & CEOLiberty Bank & Trust2325 Livingston Rd.Jackson, MS 39201(601) 987-6730ajmcdonald@libertybank.netREGION I - African-American

MISSOURIAlden J. McDonaldPresident & CEOLiberty Bank & Trust1670 E. 63rd St.Kansas City, MO 64110(816) 822-8560ajmcdonald@libertybank.netREGION I - African-American

NEW JERSEYPreston Pinkett IIIPresident & CEOCity National Bank of New Jer-sey900 Broad StreetNewark, NJ 07102(973) 624-0865(973) 624-1879 Faxppinkett@citynatbank.comREGION II - African-American

NEW YORKPreston Pinkett IIIPresident & CEOCity National Bank of New Jer-sey382 W. 125th St.New York, NY 10027(212) 865-4763ppinkett@citynatbank.comREGION II - African-American

NORTH CAROLINAJames H. Sills III President &CEOMechanics & Farmers BankP. O. Box 1932Durham, N. C. 27702(919) 687-7800,X-816(910) 687-7821 FAXJim.Sills@mfbonline.comREGION I - African-American

OKLAHOMASteve RiffPresident & CEOFirst State Bank of PorterP. O. Box 250Locust Grove, OK 74352(918) 479-5001(918) 483-3362 Faxsteveriff@valornet.comREGION I - Native American

PENNSYLVANIAEvelyn F. SmallsPresident & CEOUnited Bank of Philadelphia30 S. 15th Street, 12th FloorPhiladelphia, PA 19102(215) 351-4600 X105(215) 231-3673 Faxesmalls@unitedbankofphiladel-phia.comREGION II - African-American

SOUTH CAROLINAJohn KreighbaumPresident and CEOSouth Carolina CommunityBankP. O. Box 4251545 Sumter StreetColumbia, S.C. 29202(803) 733-8100, X1104(803) 254-0150 FaxREGION I - African-American

TENNESSEEDeborah A. ColePresident & CEOCitizens Bank1917 Heiman StreetNashville, TN 37208(615) 327-9787(615) 329-4843 Faxdcole@bankcbn.comREGION I - African-American

Jesse Turner, Jr.President & CEOTri-State Bank of Memphis180 S. MainP. O. Box 2007Memphis, TN 38101(901) 525-0384(901) 526-8608 Faxlshaw@tristatebank.comREGION I - African-American

TEXASIgnacio Urrabazo, Jr.PresidentCommerce Bank5800 San Dario StreetLaredo, TX 78041(956) 724-2424(956) 728-8247iurrabazo@ibc.comREGION IV - Hispanic

John ScrogginsPresident & CEOUnity National Bank2602 Blodgett Street

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Larry J. Ferguson, DMD1812 Wallace Rd. - Ste. 400

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www.dentistcharleston.com50% off in office whitening

with Crown and Bridge work(located West Ashley-

directly behind Office Depot & Barnes & Noble Bookstore)

Gene MurrayState Farm Agent

1485 Highway 17 NorthSuite E

Mt Pleasant, SC 29464-9453Office: 843-884-8580Fax: 843-884-7997

http://www.genemurrayagency.comOffice Hours

Mon-Fri 9:00am to 5:30pmSaturday by Appointment

...especially when it saves you money.

I can help you save anaverage of $600*. Talk to meabout combining your rentersand auto insurance today.Get to a better State*.Get State Farm.CALL!ME!TODAY.

*Average annual per household savings based on a national 2010 survey of new policyholders who reported savings by switching to State Farm.

State Farm Mutual Automobile Insurance Company, State Farm Indemnity Company, Bloomington, IL State Farm Fire and Casualty Company, State Farm General Insurance Company, Bloomington, IL

Shown: Citizens Trust Bank Cynthia N. Day(front &!center), Presidentand CEO, and the Inaugural Next Generation Advisory Board. Withbranches in Atlanta Columbus, Georgia; Birmingham, Alabama; andEutaw, Alabama, the bank has received about 8,000 new applications fordepositors in recent days. Minimum deposits are $100.USA Today re-ports the U.S. had 23 black-owned banks, credit unions or savings andloan associations as of March 31, according to the Federal Reserve. Thenation"s 156 minority-owned banks collectively hold $131 billion in as-sets.

Houston, TX 77004(713) 387-7401(713) 387-5040 Faxjscroggins@unitybanktexas.comREGION IV - African-Ameri-can

Nativido Lozano IIIVice PresidentInternational Bank of Com-merceP. O. Drawer 13591200 San Bernardo AvenueLaredo, TX 78040(956) 722-7611(956) 726-6692 Faxnlozano@ibc.comREGION IV - Hispanic

Lee ReedSr. Vice PresidentInternational Bank of Com-merce1600 Ruben Torres Blvd.Brownsville, TX 78526(956) 547-1019

(956) 547-1029 Faxlreed@ibc.comREGION IV - Hispanic

VIRGINIAKelvin G. PerryPresidentFirst State BankPO Box 6400,201 N. UnionStreetDanville, VA 24541(434) 792-0198(434) 792-4978 FaxKperry@efirststatebank.comREGION II - African-American

WISCONSINSeaway Bank & Trust Com-pany645 East 87th StreetChicago, IL 60619(773) 487-4800(773) 487-0452 Faxexecdesk@seawaybank.usREGION III - African-Ameri-can

Not For Profit, Not For Charity,But For Service

Phone: 843-722-7656Fax: 843-722-2711117 Spring Street

Charleston, SC 29403www.cofederalcreditunion.com

HOURS OF OPERATIONM, T, TH, F - 10:00am-5:00pm

(lunch 1-2pm)CLOSED WEDNESDAY

HOW TO JOIN:CO Federal Credit Union offersmembership to individuals and

their immediate family members inthe Charleston County Area.

MEMBERSHIP ELIGIBILITY:Once eligibility is established,

there is a one time,non-refundable membership feeof $10.00 to join and a minimum,

refundable deposit of

$50.00 to a Primary saving account.MEMBER BENEFITS:

CO Federal Credit Union is dedicated to improving our

members’ lives by offering a widevariety of products and services

Our goal is to save members timeand money while providing

the best financial optionavailable

PRODUCTS AND SERVICES:*SAVINGS*

Open a dividend-bearing Primarysaving account

with no monthly fee*DIRECT DEPOSIT*

*LOANS**Secure Loans

*Personal Loans*Car Loans

(Beacon Score & Debt Rate Apply)

Support Your Local Black -Owned Banking Institution:

C.O. Federal Credit Union

BACK TOSCHOOL

GIVEAWAYJuly 30th

@ Deliverance Ministries3620 Ashley Phosphate Rd

N.Chas 7pm-8pm

Aug. 1st@ Baptist Hill Middle

High School7pm-8pm

Aug 4th @ Wadmalaw Island

Community Center, Katy Hill Rd 7pm-8pm

Aug 9th @ Dickerson's Mortuary

4700 Rivers Avenue N. Chas, SC7pm-8pm

*All locations while supplies last* First come !rst serve!

This is Michael Miller's (Michael & Co.LLC /the Sam Williams Foundation)thirteenth year providing free schoolsupplies to the students of the area.

This years sponsors are: Deliverance Ministries

Delta Sigma Theta, Charleston AlumniChapter

Dickerson's MortuaryA Friend of Wadmalaw Is.

Target