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UNITED STATES OF AMERICA
BEFORE THE
BOARD OF GOVERNORS

OF THE FEDERAL RESERVE

OFFICE OF THE COMPTROLLER
WASHINGTON,

In the Matter of
BOB L. SELLERS
A Former Institution-Afliliated

Party of

FIRST NATIONAL SUMMIT BANKSHARES
Crested Butte, Colorado
and
FIRST NATIONAL SUMMIT BANK
Gunnison, Colorado

WHEREAS,

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SYSTEM

OF THE CURRENCY
DC

FRB Docket Nos. 98-029-E-I
9%029-CMP-I
OCC Docket No. AA-EC-9828

Order of Prohibition and
Assessment of Civil Money Penalty
Issued Upon Consent Pursuant to the
Change in Bank Control Act and the
Federal Deposit Insurance Act, as
Amended

pursuant to Section 7(j) of the Change in Bank Control Act, 12 U.S.C.

3 18 17(j) (the “CIBC Act”), and Section S(e) of the Federal Deposit Insurance Act, as amended,
12 U.S.C.$§

1818(e) and 1818(i) (the “FDI Act”), the Board of Governors ofthe Federal

Reserve System (the “Board of Governors”)
(the “OK”)

and the Office of the Comptroller

of the Currency

issue this Order of Prohibition upon the consent of Bob L. Sellers (“Sellers”), a

former institution-affiliated

party, as defined in Sections 3(u) and 8(b)(3) of the FDI Act, 12

U.S.C. $4 18 13(u) and 18 18(b)(3), of First National Summit Bankshares,

Crested Butte,

Colorado (“FNSB”), a former registered bank holding company, and First National Summit Bank,

-2Gunnison, Colorado (the “Bank”), a former chartered national bank, relating to Sellers’s alleged
acquisition of control of more than 25 percent of the outstanding voting shares of FNSB in 1994
without the prior approval from the Board of Governors, and Sellers’s alleged misrepresentations
and omissions of material facts in connection with regulatory filings to the Board of Governors
and the OCC;
WHEREAS,

pursuant to Section 7(j) of the CIBC Act and Section S(i) of the FDI Act,

the Board of Governors issues this Assessment of Civil Money Penalty upon the consent of
Sellers relating to his alleged acquisition of control of more than 25 percent of the outstanding
voting shares of FNSB in 1994 without the prior approval from the Board of Governors,
Sellers’s alleged misrepresentations

and

and omissions of material facts in connection with regulatory

filings to the Board of Governors; and
WHEREAS,

by afixing his signature hereunder,

Sellers has consented to both the

issuance of the Order of Prohibition by the Board of Governors and the OCC, and the issuance of
the Assessment of Civil Money Penalty by the Board of Governors (collectively referred to herein
as the “Order”), and consented to comply with each and every provision of this Order, and waived
any and all rights he might have pursuant to 12 U.S.C. 4 1818, 12 C.F.R. Part 263, or 12 C.F.R.
Part 19, or otherwise (a) to the issuance of a notice of intent to prohibit and of a notice of
assessment of a civil money penalty; (b) to a hearing for the purpose of taking evidence with
respect to any matter implied or set forth in this Order; (c) to obtain judicial review of the Orders
or any provision hereoc and (d) to challenge or contest in any matter the basis, issuance, validity,
effectiveness,

collectibility or enforceability of this Order or any provision hereof

NOW, THEREFORE,

prior to the taking of any testimony or adjudication of or finding

on any issue of fact or law herein, and without this Order constituting

an admission of any

allegation made or implied by the Board of Governors or the OCC in connection with this
proceeding,

and solely for the purpose of settlement of this proceeding without protracted

or

extended hearing or testimony:
IT IS HEREBY ORDERED, pursuant to Section S(e) of the FDI Act, that:
1. Sellers, without prior written approval of the Board of Governors and the OCC, and
where necessary pursuant to Section S(e)(7)(B) of the FDI Act, 12 U.S.C. 5 18 18(e)(7)(B),
another Federal financial institution regulatory agency, is hereby and henceforth prohibited from:
(a) Participating in any manner in the conduct of the affairs of any institution or
agency specified in Section 8(e)(7)(A) of the FDI Act, 12 U.S.C. 4 1818(e)(7)(A),

including

without limitation, any insured depository institution, or any bank or savings association holding
company;
(b) soliciting, procuring, transferring, attempting to transfer, voting or attempting
to vote any proxy, consent, or authorization

with respect to any voting rights in any institution

described in Section 8(e)(7)(A) of the FDI Act;
(c) violating any voting agreement previously approved by any Federal banking
agency; or
(d) voting for a director, or serving or acting as an institution-affiliated

party, as

defined in Section 3(u) of the FDI Act, such as an officer, director or employee, in any institution
described in Section 8(e)(7)(A) of the FDI Act. The foregoing shall not limit Sellers in any way
from continuing to engage in consulting services of the type provided by his sole proprietorships,

-4Banking Consultants of America and First Southern Trust Company, namely, providing services
which involve or relate to the Incentive Driven System and director and officer current and
deferred compensation,
to the administration

stock option plans and incentive compensation

plans, and services related

of both qualified and non-qualified plans, provided that in performing such

actions or providing such services Sellers does not engage in any conduct that causes him to
become an institution-affiliated

party as described in section 3(u)(4) of the FDI Act, 12 U.S.C. 6

1813(u)(4).
IT IS HEREBY FURTHER ORDERED, pursuant to Section 7(i) of the CIEK Act, and
Section 8(i) of the FDI Act, that:
2. Sellers is assessed and shall pay to the Board of Governors a civil money penalty in the
amount of $100,000.
3. The penalty assessed pursuant to this Order shall be remitted in till, at the time of
Sellers’s execution of this Order, payable to the “Board of Governors of the Federal Reserve
System” and forwarded with Sellers’s executed copy of this Order, to Jennifer .I. Johnson,
Secretary of the Board, Board of Governors of the Federal Reserve System, Washington,

DC

2055 1. The Board of Governors shall remit the payment to the Treasury of the United States as
required by statute.
4. All communications

regarding this Order shall be sent to:

(a) James H. Jonson
Vice President
Federal Reserve Bank of Kansas City
925 Grand Boulevard
Kansas City, Missouri 64 198

-5-

(b) Ronald G. Schneck
Director for Special Supervision/Fraud
Offtce of the Comptroller of the Currency
250 E Street, S.W.
Washington, D.C. 20219

(4

Bob L. Sellers
c/o David Wade, Esq.
Martin, Tate, Morrow & Marston, P.C.
Suite 1100, The Falls Building
22 North Front Street
Memphis, Tennessee 37103-l 182

5. Any violations of this Order shall separately subject Sellers to appropriate

civil or

criminal penalties or both under Sections S(i) and (j) of the FDI Act, 12 U.S.C. $5 1818(i) and (i).
6. The provisions of this Order shall not bar, estop, or otherwise prevent the Board of
Governors, the OCC, or any Federal or state agency or department from taking any other action
affecting Sellers, provided, however, that the Board of Governors and the OCC shall not take any
further action against Sellers based upon information presently known by the Board of Governors
or the OCC relating to the matters addressed by this Order.
7. Each provision of this Order shall remain effective and enforceable until stayed,
modified, terminated or suspended in writing by the Board of Governors and the OCC.

-5-

(b) Ronald G. S&neck
Director for Special Supervision/Fraud
Offtce of the Comptroller of the Currency
250 E Street, S.W.
Washington, D.C. 20219
(c) Bob L. Sellers
c/o David Wade, Esq.
Martin, Tate, Morrow & Marston, P.C.
Suite 1100, The Falls Building
22 North Front Street
Memphis, Tennessee 37103-l 182
5. Any violations of this Order shall separately subject Sellers to appropriate

civil or

criminal penalties or both under Sections S(i) and (j) of the FDI Act, 12 U.S.C. $5 1818(i) and (j).
6. The provisions of this Order shall not bar, estop, or otherwise prevent the Board of
Governors, the OCC, or any Federal or state agency or department from taking any other action
affecting Sellers, provided, however, that the Board of Governors and the OCC shall not take any
further action against Sellers based upon information presently known by the Board of Governors
or the OCC relating to the matters addressed by this Order.
7. Each provision of this Order shall remain effective and enforceable until stayed,
modified, terminated or suspended in writing by the Board of Governors and the OCC.

-6By order of the Board of Governors of the Federal Reserve System, effective this

BOARD OF GOVERNORS OF THE
FEDERAL RESERVE SYSTEM

J&_r+l.f.
Bob L. Selleis

-7of the Comptroller

of the Currency, effective this

, lyv

OFFICE OF THE COMPTROLLER
OF THE CURRENCY

Bob L. Sellers

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