Bachelor in Economics, St. Mary's University, 1964. Postgraduate, St. Mary's University School Law, 1965. Certified, Harvard School Business Bank Management Development Program, San Antonio, 1978.
Executive trainee, First City National Bank, Houston, 1965-1969; trust officer, First City Bank Corpus Christi, Texas, 1969-1971; assistant vice president, trust officer, First City Bank Corpus Christi, Texas, 1971-1972; vice president, trust officer, First City Bank Corpus Christi, Texas, 1972-1974; manager trust department, First City Bank Corpus Christi, Texas, 1974-1975; senior vice president, trust officer, First City Bank Corpus Christi, Texas, 1975-1977; executive vice president, secretary to board directors and advisory director, First City Bank Corpus Christi, Texas, 1977-1981; president, chief Executive officer, First City Bank of Alice, Texas, 1981-1988; president, chief Executive officer, Victoria (Texas) Bank & Trust president, chief Executive officer, Victoria Bankshares, since 1988. Board directors Whataburger, Inc., Corpus Christi. Member Jim Wells Master Planners' Association, Alice, Texas, since 1981, Alice Industrial Foundation, since 1984, First Finance Advisors, Inc., 1974-1980.
Board governors United Way of Coastal Bend, since 1978. Board governors, board directors Art Museum of South Texas, Corpus Christi, 1979-1985. President, executive board Victoria Economic Development Corporation.
Executive board Victoria Regional Museum Association. Board directors SBIC Board, Texas Council Economic Education With United States Army, 1966-1968. Member American Institute Banking, Bank Administration Institute, Texas Bankers Association (public relations committee), Texas Research League, South Texas C. of Chamber (board directors since 1983).
Clubs: Texas Tennis Hall of Fame (trustee since 1981). Corpus Christi Country (board directors 1977-1980). Corpus Christi Yacht.
Alice Country, Victoria Country.
Married Mary Elizabeth Jensen, July 10, 1965. 1 child, Stephanie Annual.