FTFC First Federal Capital (MM)

First Federal Names Randy G. Smith to Executive Post LA CROSSE, Wis., Feb. 10 /PRNewswire/ -- First Federal Capital Bank, the banking subsidiary of First Federal Capital Corp , has announced the appointment of Randy G. Smith to Executive Vice President and Commercial Banking Division Manager. Additionally, Smith becomes a member of the Bank's executive management team. (Photo: NewsCom: http://www.newscom.com/cgi-bin/prnh/20040210/CGTU033 ) Smith brings over 24 years of commercial banking leadership to the position. He has extensive experience in commercial loan administration, asset/liability management and management of customer relationships of small and medium size companies. Prior to joining First Federal, Smith worked for Wells Fargo &Company for 18 years in various roles including Group Credit Officer for all Minnesota regions. The position included loan documentation, loan operations, central underwriting for consumers and small businesses, problem loan resolution, reserve adequacy and compliance reporting for the group. He also served Wells Fargo and its predecessor, Norwest Bank, N.A., as senior Regional Credit Officer and Bank President in Winona, Minnesota. He was active in the Winona area, serving as Vice Chair of the United Way, on the Advisory Board for Winona State University Business School and a local women's shelter, as well as the Board of Directors for ABC Development for developmentally disabled adults and the Winona State University Booster Club Board. In addition, he volunteered with the Winona Historical Society and Chamber of Commerce. Smith holds a Master's Degree from Arizona State University and an undergraduate degree from the University of Montana, Missoula. He and his family live in Onalaska, Wisconsin. About First Federal With assets of $3.4 billion, First Federal is a community bank serving businesses and consumers through 92 offices and over 140 ATMs located in over 40 communities in Wisconsin, northern Illinois, and southern Minnesota. The Company serves more than 220,000 households with checking, savings, investment and loan products along with commercial real estate lending residential mortgage lending. The Company offers business banking products in Rochester and St. Paul, Minnesota, as well as La Crosse, Wausau, and Oshkosh, Wisconsin, and is moving ahead with plans to extend these product offerings to other select markets in 2004. For more information about First Federal Capital Bank, log on to http://www.firstfed.com/ . Website: http://www.firstfed.com http://www.newscom.com/cgi-bin/prnh/20040210/CGTU033 http://photoarchive.ap.org/ DATASOURCE: First Federal Capital Corp CONTACT: Charish Badzinski, Public Relations of First Federal Capital Corp, +1-608-796-4517,

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