Bachelor of Science, University Missouri, 1964. Master of Business Administration, University Utah, 1972. Doctor of Philosophy, University Utah, 1975.
Teaching assistant University Utah, 1972, teaching fellow, 1972—1973. Assistant professor finance University Wisconsin, Madison, 1975—1977. Vice president, investment officer Poughkeepsie New York Savings Bank, 1977—1978, senior vice president, investment officer, 1979, senior vice president, chief finance officer, 1980, president, chief executive officer, 1980—1982, chairman board, chief executive officer, 1984—1986.
Chairman board, president, chief executive officer, 1986. Trustee Retirement system for Savings Institutions. Board directors Federal Home Loan Bank New York.
With United States Air Force, 1964-1971.
Board directors Mid-Hudson Pattern for Progress, Inc., Area Fund Dutchess County, New York. Trustee Vassar Brothers Hospital. Member of National Council Savings Institutions, Savings Bank Association New York State, Poughkeepsie Club, Amrita Club, Phi Kappa Phi, Beta Gamma Sigma.
Married Elizabeth Cunliff Kinkade, October 26, 1968. Children: Kathy, Bryan.