Bachelor of Science in Management and Administration, Indiana University, 1967. Graduate with honors, University Wisconsin School Banking, 1976. Graduate with honors, Ohio State University Graduate School Real Estate and Finance, 1979.
Graduate in commercial lending (honorary), University Oklahoma, 1982.
Salesman College Life Insurance, Bloomington, Indiana, 1967—1969. Assistant trust officer 1st National Bank, Warsaw, 1969—1971, assistant vice president, 1971—1975, vice president, since 1975.
Past president School Board, United Way. Board directors, president Otis Bowen Center, 1986—1987. Member planning committee Sacred Heart Church, Warsaw, since 1983, president parish council, since 1988, chairman building committee, 1985—1986.
Board directors Habitat for Humanity. Member of Warsaw Chamber of Commerce (board directors, treasurer 1988-1989, past president), Robert Morris Association, Kosciusko County Home Builders, Kosciusko County Realtors (treasurer, board directors 1988-1989), Indiana Banker Association (chairman mortgage lending subcommittee), Optimists.
Married Linda R. Schlag, January 30, 1965. Children: Richard Matthew, Mark Robert, Danielle Marie.