The Citizens Bank of Swainsboro, Inc. is pleased to announce that Zachary D. (Zac) Frye was named President, CEO, and fiduciary director during their 2025 organizational meeting following the retirement of Milton B. Gray, Jr. Mr. Gray has been the President and CEO of the bank since 1999 and will continue to serve on the bank’s fiduciary board of directors following retirement.

“It has been an honor and privilege to lead the Citizens Bank of Swainsboro for the past twenty-five years,” said Mr. Gray. “It has been a great ride, but it is time to turn it over to a new generation of leadership. I have been mentoring Zac for the past three years and he is ready. He is going to be an awesome CEO, and I am excited for him.”

Zac Frye has served as Executive Vice-President for the bank and has nineteen years of banking experience. He is a graduate of Georgia Southern University, Georgia Bank School, and the Graduate School of Banking at LSU. He resides in Swainsboro and is married to Leah Lanier Frye. They have three children, Ansley, Avery, and Aubrey.

“We have exceptional employees and leaders in all our markets, ready to serve our
customers and create the best banking experience possible. It is an honor to have the
opportunity to lead a bank originally chartered in 1900, and so engrained into the fabric of the communities we serve.”

In addition to Mr. Frye, other elected members of the bank’s Board of Directors are Milton Gray, Jeff Cannon, Gary Johnson, Bill Simmons, Minton Hester, Steve Rushing, and Ben Ross.

The Citizens Bank of Swainsboro is locally owned and operated with a family of banks located in Swainsboro, Dublin, and Statesboro (Bulloch First).