Meet Our Team

Johnny S. Smith


Johnny brings to Newton Federal Bank over 25 years of banking experience. He holds a Bachelor of Science degree from the Georgia Institute of Technology and is also a graduate of the LSU Graduate School of Banking. Active in many community bank circles, Johnny is very involved in both the Community Bankers Association as well as the Georgia Bankers Association. Johnny credits much of his success in life to his father whom he affectionately refers to as “the smartest man I ever met." Always putting family first, Johnny lives his life by upholding the golden rule.

Johnny and his wife Judy reside in Covington. They have a son (Taylor) and daughter (Maggie). His hobbies include golf, hunting, fishing, and coaching all youth sports.

Customer Testimonial

"As the president of the chamber of commerce, it makes me so proud to know that we have businesses like Newton Federal Bank in our community."

– R.S.

Greg Proffitt

Executive Vice President/COO

A true Georgia native, Greg Proffitt has lived in the Covington area for the last 24 years and is more excited than ever about his community. He obtained his undergraduate degree from the University of Georgia and his MBA from Georgia State University. Greg believes that a strong education system plays a critical role in the health and well-being of the local community.

Greg has been employed with Newton Federal Bank since 2005 and has seen his position evolve along with the bank. He is actively involved with the Community Bankers Association of Georgia and serves on the Leadership Division Board and the Member Services Committee. Greg chairs two local non-profit boards, Newton Mentoring and SparkNewton, which is one of three local advisory boards of the Community Foundation of Greater Atlanta. He also serves as a deacon in his local church. Greg is married and has two children. In his spare time, he enjoys traveling and watching sports

Kenneth Lumpkin

Executive Vice President/CLO

With over 25 years of community banking experience, Kenny simply enjoys serving others. He started as a teller and worked his way up through the retail ranks. He is a graduate of the University of West Georgia (B.B.A.) and earned his MBA from the University of Maryland University College. Kenny is certified in lending (CCL) and marketing (CFMP). His greatest accomplishment is being married to his best friend of 27 years.

“I enjoy helping others fulfill their dreams or find their purpose."

Customer Testimonial

“Kenny gave us encouragement and a much needed nudge to go after our dreams.”

– Chris and Teri H.

Reed Beard

VP, Commercial Lender

For 23 years Reed has been the proud husband of Vicki Beard. They have four children and six grandchildren. A graduate of the University of Georgia, Reed holds a BS Degree. His hobbies include fishing, hunting, golf and traveling with Vicki.

With over 37 years of commercial lending experience, Reed is equipped to handle everything from the simplest deal to the most complex. He enjoys working with business customers from start-ups to mature businesses and in making the lending experience easy. If you’d like to find out more about Reed or talk to him about your next project give him a call. He’d love to help make your dreams come true.

Dee Cook

VP, Commercial Lender

Dee is a Covington native. She has over 17 years of banking experience with a diverse background. Her current passion is commercial lending. Dee holds a degree for Dekalb Technical College and loves spending time with her daughters. Honesty and professionalism are always at the forefront when Dee is meeting the needs of her clients. “I enjoy helping customers grow and prosper in their business." Dee and her family currently reside in Walton County.

David Dyer

VP, Commercial Lender

David has over 20 years lending experience, primarily in commercial and real estate lending. With a BBA and MBA from UGA, David is also a graduate of the Graduate School of Banking at LSU. Originally from Blairsville, but has lived in Athens/Winder for last 16 years. He enjoys spending time with family (wife, two children) and watching and participating in sports, especially college football.

View our Home Mortgage Loans.

Tonya Burnett

VP, Secondary Market Manager

NMLS ID#430694

Tonya brings over 20 years of retail banking experience to Newton Federal Bank. With expertise ranging from retail management to market leader, Tonya is a full-service professional. As a Secondary Market Manager, Tonya takes great pride in providing her mortgage clients the best options available to meet their needs.  

 A life-long resident of Covington/Newton County, Tonya earned her BBA from Georgia State University and is a graduate of Newton County High School. Tonya and her family live in Mansfield.

View our Home Mortgage Loans.

Brian Burgoyne

VP, Residential Mortgage Lender

NMLS ID#709413

Whether you are looking to buy, build, or renovate your home, Brian takes pride in finding the “right mortgage solution” for customers.  With over 10 years of mortgage lending experience, Brian is an expert when it comes to properly preparing individuals for home ownership.  Brian enjoys working in the community and is involved in many organizations. When he’s not working or volunteering Brian enjoys spending his time with his dogs on the farm and traveling with family.

View our Home Mortgage Loans.

Tabitha Henderson

AVP, Residential Mortgage Lender

NMLS ID# 1170322

During Tabitha’s 12 year career at Newton Federal Bank she has served in a wide variety of role. Her goal is to make every customer service experience a memorable one. Tab enjoys spending time watching her two kids participate in programs such as football, wrestling, and gymnastics. A reside of Walton County, Tab prefers to take life easy.

Quote: “Just this once, let it be easy.” – C. Lord

Customer Testimonial

“Tabitha made it possible for us to buy our home when others were unwilling to give us a helping hand.”

– W.S.

View our Home Mortgage Loans.

Nancy Mask

VP, Branch Sales Manager - Southside

Nancy is a seasoned Banking professional, having served clients in Newton County for over 40 years. She has experience in a variety of banking areas including Teller, Customer Service Representative, Insurance Clerk, Loan Processor, Branch Manager, and currently Branch Sales Manager and Consumer Lender. 

A graduate of the Georgia Bankers Association School, Nancy is consummate professional who is always learning and growing to better meet the needs of her loyal customers. She has built a strong rapport with her clients during her 10 years of service with Newton Federal and continues to build new relationships every day as she takes pride in her service to others.

A proud mother of 2, Nancy has four grandchildren and has been married 41 years. She is very active in her church where she serves on the Church’s Leadership Team.

Greta Heard

AVP, Branch Sales Manager - Main

Greta has been a member of the Newton Federal Bank Team for over 23 years. Her extensive experience includes serving as a Teller, CSR, Branch Sales Manager, and Consumer Lender. You’ll always find Greta with a smile and a positive attitude.

Greta’s passion for people is obvious by the work she does with students and the time she spends in our community. As a Partner In Education Representative, Greta enjoys helping boys and girls find success in the classroom.

When Greta is not at work she enjoys spending time with her family, serving as the leader of Children’s Ministry and Deaconess Ministry in her Church, and helping those in need.

Aimee Corcoran

AVP, Branch Sales Manager - Eastside

Serving as a Teller, Customer Service Representative, Branch Sales Manager and Consumer Lender, Aimee’s experience has provided her a solid foundation to meet the financial needs of all her clients. She prides herself on giving professional and courteous customer service and educating our clients along the way. Aimee continues to challenge herself daily with different learning opportunities as well as opportunities to teach others.

Her passion for making a difference in her community allows her to serve as a representative for Newton County’s “Partners In Education” and a Council Member for “Relay for Life." When not working hard for her clients, Aimee enjoys spending time with her family and friends and keeping up with her energetic daughter!

Customer Testimonial

“Thank you so much for helping me with my recent loan. You were so nice and "helpful." 

– Tammy C.

Jimmy Tanner

VP, Retail Division Manager

Jimmy serves as Vice President of Business Development and Retail Sales for Newton Federal Bank, lending teams to build and grow relationships. Jimmy has over 30 years of management and leadership experience, with over 15 years in banking. He earned his Bachelor of Science degree in Business from Georgia College and State University with a dual major in Marketing and Management.

"Serving others and building relationships are what I enjoy doing."

Jimmy is proud to serve the needs of people in his hometown of Covington. He is very active in his local Chamber of Commerce, as well as his community, serving on numerous local boards and committees.

Jimmy enjoys sports and teaching Sunday School in his local church. He and his wife, Saba, are proud parents of Nick, a United States Marine, and Sydnie, a senior at Eastside High School with a passion and gift for music.

Keith Perry

VP, SBA Senior Lending Officer, SBA Division Manager

Keith earned a BBA in Finance from the University of Georgia. With banking experience totaling over 25 years, Keith started his career as a commercial and small business lender for the Farm Credit System and served as a Senior Lending Officer for various Georgia community banks for 16 years after that. Keith has originated and serviced over $75 million of government guaranteed loans and has managed commercial portfolios in excess of $50 million. He has two daughters, Micah and Elizabeth, who live with him at home in Carrollton.