JOSEPH M. PRESS Joe is president and a director of Fortner, Bayens, Levkulich and Co., P.C.  He has thirty years of experience providing accounting, tax and regulatory consulting services to financial institutions in the Rocky Mountain region.   For the past twenty-five years his primary focus and responsibilities has been managing portfolios of community bank clients.  Services provided include:   Audits in accordance with generally accepted auditing standards Directors' Examination - performed in accordance with relevant federal and state regulatory guidelines Due diligence reviews of potential acquisitions Loan portfolio reviews Loan documentation reviews Examination of EDP departments Income tax planning and compliance Assistance in formation of bank holding companies Accounting and tax planning services related to the merger and acquisition of financial institutions Assistance in filing registration statement for initial securities offering Assistance in preparation of Form 10-KSB Review of quarterly Form 10-QSB   Prior to joining the firm in 1980, Joe was associated with Alexander Grant and Company.   EDUCATIONAL BACKGROUND   Bachelor of Science in Accounting, Regis University MBA in Finance, University of Colorado   PROFESSIONAL AFFILIATIONS   American Institute of Certified Public Accountants Colorado Society of Certified Public Accountants Association of Certified Fraud Examiners   Email contact: pressj@fbl-cpa.com