Age: 40. Where born: Salt Lake City.
Family: Wife Pam and two children.
Education: Bachelor of science from the University of Utah.
Primary products: Competitive time and savings deposits and real estate loans, which include conventional, FHA, VA and portfolio real estate loans.
Primary markets: The Wasatch Front.
Number of employees: 10.
Annual sales: $1.5 million.
First "real" job: At age 12, I worked at Hygia Ice packing frozen food.
Management style: Create a positive atmosphere where each employee feels and recognizes their importance to the success of the company.
Strategy for success: Recognize that success comes in many forms and is never permanent.
A memorable failure: In 1974, I invested $500 in coffee futures to pay for my honeymoon. I promptly lost all of my investment. My wife still reminds me of this. Still.
Heroes: My father. Leisure time and hobbies: Downhill skiing, swimming, biking and backpacking.
Favorite book and movie: James and the Giant Peach by Roald Dahl. "007 Goldfinger."