Investment Services at Heritage Bank

Meet our Advisory Board for Henry County.

Heritage Bank differs from other financial institutions, because of the personal approach, attention to superior customer service, and wide range of financial products and services our customers have access to in order to meet their financial goals. Our objective is to help you decide why and how to invest and to monitor your progress along the way so you can better stay on track to meet your goals.

Pictured left to right (Michael Burt, Gerald Hudgins, John Lunsford, Leonard Moreland, Kerry Arnold,Frank Holcomb, Laura Crumbley, and Jeff Cooper- not pictured is Melissa Chapman)


Michael W. Burt

Executive Director, Eagle's Landing Christian Foundation.

Michael Burt was born and raised in Brookhaven, Mississippi.  He graduated with a Bachelor of Music and Masters of Music.  After graduation, Michael served in the U.S. Marine Corps from 1969 - 1972.

He has served in the church ministry for over 39 years.  He was a Vice President with Bension Music Group in Tennessee.  While working in the music industry, he received two Dove Award nominations.

Michael went on to receive additional studies in the area of Estate Design Strategies and Financial Counseling.  He is a part of the Kingdom Advisors and Dave Ramsey Financial Coaching Group.

He is married to his wife, Jennifer, and has two daughters and four grandchildren.


Melissa Chapman

Chief Executive Officer, Southern Crescent Habitat for Humanity

Melissa is a native of the Southern Crescent.  She holds a degree in Political Science from Georgia State University and a Masters of Business Administration from Wesleyan College in Macon, GA.  She has lived and studied internationally in Saudi Arabia, Paris and Beijing.  Melissa began her career with Delta Air Lines in the Finance Division.  She has also held roles in banking as a Commercial Lender.  She has extensive non-profit experience locally with United Way and Tourism boards.  She is also a graduate of Leadership Henry.  She has the principal responsibility of fulfilling Southern Crescent’s mission and accountability for establishing and delivering the best practices for every level of its program.


Jeffrey A. Cooper

Employed at Piedmont Henry Hospital in the south metro Atlanta area for over 17 years.  Jeff holds a Bachelor of Science in Health Systems Engineering from Georgia Tech and a Master of Science in Administration from Central Michigan University. 

Prior to his employment at Piedmont Henry Hospital, Jeff worked as an operations improvement consultant for a national consulting firm and at St. Joseph’s Hospital in Asheville, North Carolina.  Jeff began his tenure at Piedmont Henry Hospital in 1992 as Director of Management Information Services.  Over his tenure, he has held positions such as VP of Ancillary Services and Chief Information Officer, VP of Development and Executive Director of the Foundation, and currently as VP and Chief Operating Officer where his responsibilities include clinical ancillary and support departments, Marketing & Public Relations, the Foundation, and the Emergency Department. 

An active Rotarian, Jeff is a past-president of the Henry County Rotary Club, serves as a Trustee for the Georgia Rotary Student Program, and is an Assistant Governor for Rotary District 6900.  He served a three year term on the national HIMSS board from 1996 to1999, and was President in 1998-99. 

Jeff is also the owner of Southern Crescent Broadcasting and is active with the Henry Players.


Laura S. Crumbley, CPA

Laura S. Crumbley is a Certified Public Accountant and has been located just off the square in McDonough since 1990.  She has been practicing accounting since 1981 starting in Arkansas, Tennessee and then Georgia.  

She is involved with many organizations in Henry County. She served as president of the Henry County Rotary Club in 1998-1999 and continues to serve as Treasurer.  Other assignments include Board Member for A Friend’s House, Charter Member of McDonough Arts and served as Treasurer, Member of the Promotions Committee for Main Street McDonough, Member of Cultural Development Committee at the Chamber of Commerce, Member of the City of McDonough Historic Preservation Commission and was a member of the Leadership Henry Class of 2006.

She was honored in 2010 with the Legacy of Leadership Award by Senator Gail Buckner, GA General Assembly. She is a member of the American Institute of CPAs and Georgia Society of CPAs.

She is married, has three children and six grandchildren.


Gerald W. Hudgins

Owns and manages Apple Realty, Inc., Hudgins Construction Co., Inc., Hudgins Communities, Inc. and Hudgins Land and Cattle Company, as well as being partners in several other real estate development ventures.

Gerald Hudgins was born and raised in Dekalb County, Georgia. Graduating from Southwest Dekalb High School in 1963, he then attended Young Harris College, and in 1968 received a BBA degree from Georgia State University. After graduation, he served three years in the U.S. Army, serving his final year as a Real Estate Officer in Vietnam.

After military duty, Gerald accepted a position with a local Atlanta real estate development firm. After serving two years as General Manager at the firm, he pursued his desire to become an independent businessman and began his career as a real estate broker and developer on his own.

He has served numerous terms on the Board of Directors of the Henry County Chamber of Commerce, serving as Chairman in 2001. He was chosen “Business Man of the Year” in 1998. Gerald received The Herman Talmadge Visionary Award in 2005. He was a founding director of the Henry County Council for Quality Growth, and has served on the Board of United Way and the Henry County Water and Sewer Authority.  He currently serves on the Board of Young Harris College and Georgia State University.

Gerald is married to Jo Andrews Hudgins from LaGrange, Georgia and has six children and four grandchildren. Gerald enjoys attending sports and school activities involving his children and grandchildren as well as planning family reunions with his cousins.


John Lunsford

John has been a business owner since 1987.  His company, BJL Enterprises, was formed in 1998.  The company manages supplier purchasing, construction, customer service, sales and marketing of real property, both commercial and residential, including development in Georgia and Alabama. Prior to that, John was the President/ CEO of Harvard Chemical Research Corporation.  The company began with a one product chemical manufacturing company operating in a small warehouse and in over the 12 years of management under John, the company grew to over 400 products with distributors nationwide. The company was ultimately sold to a larger corporation.  John also served as a State Representative (2000-2011), serving as Chairman of the Small Business Development and Jobs Creation Committee, member of Rules Committee, Appropriations Committee, Health and Human Services Committee, and Judiciary Non-Civil Committee. 

 His Professional Affiliations, current and previous, include Board Member- Connecting Henry, American Legislative Exchange Council, Rank of Lt. Colonel in Civil Air Patrol, Quality Growth Council Board Member, National Conference of State Legislators, Board Member of Clayton Regional Law Enforcement Academy, Board Member- Ga. Farm Bureau Henry County, Board Member- Exodus House Ministries, Local Finance Chair- YClubs of Ga.

 John and his wife Tina have seven children and 3 grandchildren.  They attend Philadelphia Baptist Church in Rutledge, Georgia. His hobbies include biking, camping, building things, and spending time with family.  


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