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Our Staff

Time is one of the most important aspects of a good financial plan – call today for an appointment
with one of our experienced consultants.

Charles M. (Maury) Bouas, CFPTM
Sr Executive Vice President Wealth Management
Maury has over 40 years of experience in the financial services industry and serves as the head of the Trust & Financial Services Division. He is a graduate of Washington University in St. Louis, the American Bankers Association’s National Trust School at Northwestern University (Evanston, IL) and became a CERTIFIED FINANCIAL PLANNERTM in 1995.
Curtis Overton, CPA, CTFA
Executive Vice President Personal Trust
Curtis has 20 years of experience in the accounting industry and 5 years in the trust industry. He is the head of the Personal Trust division.  Curtis has a Bachelor of Science (BS) degree from Southwest Missouri State University and is a Certified Public Accountant. He has attended Cannon Trust Schools I-III and is also a Certified Trust & Financial Advisor (CTFA).
Terry Nibarger, CFPTM
Senior Vice President Brokerage
Terry has over 27 years of experience in both the banking and brokerage industries.  He holds a Bachelor of Science (BS) degree from the University of Central Missouri. Terry is a CERTIFIED FINANCIAL PLANNERTM  and also has the Series 7, 24, 65 and 63 licenses.  He has completed training through the College for Financial Planning and PrimeVest University.
Tim Couch, CSOP
Vice President Trust Operations
Tim joined Citizens Bank & Trust in March of 1978. He has nearly 30 years of experience in the Banking & Trust Industry. Tim holds a Bachelors Degree in Business Management from William Woods University. He has attended various Trust related classes and seminars including ABA Principles of Banking School of Trust and Financial Planning, Cannon Trust Operations I-III, Cannon Trust Tax I-II, and ABA Certified Securities Ops. Prof.
Shannon Moore, CTFA
Assistant Vice President & Trust Officer
Shannon has a Bachelor of Arts (BA) from Stephens College. She is a Certified Trust Financial Advisor and has the Series 7 & 63 insurance licenses. Shannon was in the U.S. Navy for 4 years and has spent 7 years as a Realtor-Broker, 3 years in Consulting/Training, and has 6 years of experience in the Trust Industry. Shannon attended the Cannon Trust Schools I-III and PrimeVest University.
Dianne Oder, CTFA
Assistant Trust Officer
Dianne has earned a Secretarial Certificate from NCMC and has 9 years of Commercial Banking experience and over 4 years experience in the Trust Industry. She has also attended the ABA Graduate School, ABA Bank Investments & Financial Management, and Cannon Trust Schools I-III.
Julie Cassavaugh
Vice President Wealth Management
Julie is a graduate of Northwest Missouri State University with a Bachelors Degree in Management. She also went on to earn her MBA from Northwest and has over 8 years of experience in the Employee Benefits Industry.
Mark Kempf
Employee Benefits Officer
Mark graduated with a B.S. in Business from the University of Nebraska. He has over 14 years of experience in the Accounting Industry. Mark specializes in Qualified Plans and has been an Employee Benefits Administrator at Citizens Bank & Trust since 2001.

Citizens Bank & Trust Wealth Management Services are-
• Not FDIC insured • May go down in value • Not Financial Institution guaranteed
• Not a deposit • Not insured by any government agency