About Us

Letter from the President

Dear Valued Customers and Visitors,

Thank you for visiting our bank! As we celebrate our 139th year in 2023, we want to acknowledge our milestones and appreciation for our customers.

Being raised in one of our small town banking communities, Lynchburg, I understand small town values. I am like you. With family and farming being my pastimes, I understand that weather, local sporting events, county fairs and community events also become pastimes. Like you, I value convenience and friendly service.

For these reasons, our community bank has worked so hard in the past few years to grow. We are now located across three counties and offer more services to best fit your needs. Our goal is to best serve you, but most importantly we want to serve you. We want to be part of your community. We want to help you succeed. We want to be your bank.

If you are not already one of our valued customers, I encourage you to visit us where you quickly learn that we will make connections with you by not only knowing your name, but by knowing what best suits you in your financial needs. Our culture is not about selling a product or service, but about building long-term relationships with our customers. Not only do we offer the difference in customer service, but we offer a better place to bank. We value you. We are like you.

Thank you for visiting,

Jeffrey D. Cloud

President and CEO


Get to know the community bank working hard for you

​Southern Hills Community Bank (SHCB) originated as Leesburg Building and Loan Association Company in February 1884. The Association merged with Fairfield Building and Loan Association in 1927. On October 30, 1936, the Company federalized becoming Leesburg Federal Savings and Loan Association. Boasting total assets of just $63,323.56, it was the only federal savings and loan association in Highland County. The Association later merged with Fidelity Building and Loan in Greenfield Ohio in 1975.

Jeffrey D. Cloud, President and CEO, was hired in June 1993. After reorganizing and revitalizing the institution and changing its name to Leesburg Federal Savings Bank in 1997, Mr. Cloud began searching for opportunities to grow and expand its market area. A new Branch Office was built for our Greenfield location in 2004. In April 2011, the institution merged with The Home Builders Association of Lynchburg and changed its name to Southern Hills Community Bank. In July 2014, the institution changed its organization type to a Mutual Saving Bank; an FDIC insured institution supervised by the Office of the Comptroller of the Currency (OCC).

President Cloud continued in his efforts positioning the institution as a strong, well-capitalized, true full-service community bank serving Southern Ohio with its three Highland County locations. In October 2017, Southern Hills Community Bank merged with Ripley Federal Savings Bank with offices located in Ripley and Georgetown, Ohio. In April 2018, Southern Hills Community Bank merged with The Adams County Building and Loan Company with offices in West Union and Peebles, Ohio. In January 2019, Southern Hills Community Bank opened a Branch office in Hillsboro, Ohio.

SHCB has served its loyal, deeply valued and appreciated customer base for over 135 years. With offices located in Highland, Brown and Adams counties, SHCB now serves these counties and portions of surrounding counties nestled in the rural rolling hills of Southern Ohio. President Cloud has established a “customer-first” culture built on relationships developed and loyally maintained over generations. We offer a warm friendly environment where customers, prospects and patrons, are always welcome and wanted; we know you and we take care of you because you are our customers.

It is a new chapter in a long successful history of the Leesburg-born financial institution. With a strong board of directors and the veteran leadership of a highly skilled senior management team, Southern Hills is poised to continue its journey providing another hundred years of reliable, “customer-first” service to the deserving communities in its market footprint.


Meet Our Board Of Directors

This group of reputable and accomplished gentlemen provide oversight and leadership to Southern Hills Community Bank while always keeping in mind the best interests of our customers and communities.

Craig H. Turner, Chairman

Jeffrey D. Cloud, President and CEO

John H. Lawler

Randy T. Brodt

Jerry Waits

David E. Poole

Michael Penn

Robert D. Carey

William Armintrout

William R. Geschwind


Meet Our Southern Hills Community Bank Management Team

This is a veteran team of Community Bankers and Community Leaders who have devoted a lifetime of dedicated service to the communities in our market area as advisors, partners, organizers, contributors, and participants. Each individual has dedicated most of their careers to the financial services industry and developed tremendous expertise in and beyond their field of specialty. All members of this team boast excellent reputations, well received in the communities they serve.

Executive Officers

Jeffrey D. Cloud - President and Chief Executive Officer

James E. Conley - Executive Vice President

Lindsay M. Cloud, CPA - Executive Vice President, Chief Financial Officer, Marketing Director, Board Secretary

Timothy L. Priest - Senior Vice President, Lending

D. Ryan Page - Vice President, Commercial Lending

Karen H. White - Vice President, Controller

Michael S. Mussinan - Vice President, Compliance

Betsy L. Pasley - Vice President, Human Resources

Monica M. Smith - Vice President, Loan Operations Manager

Beth Staggs - Vice President, Deposit Operations Manager

Laura Musselman - Assistant Vice President, Branch Administrator, Customer Service Manager

Stacie Rolfe - Assistant Vice President, IT Manager

Meet Our Branch Managers

This group of veteran front-line leaders welcome customers routinely with friendly faces and smiles. They serve and advise with compassion. They take care of customer needs and protect customer interests.

Melissa Nead - Leesburg Office

Dana Daugherty - Greenfield Office

Daniel Colliver - Lynchburg Office

JoAnna Dugan - Ripley Office

Amiee Havens - Georgetown Office

Brenda Brown - Hillsboro Office

Amy Vogler - West Union & Peebles Offices