Welcome to Cheaha Bank, located in Calhoun County, City of Oxford, Alabama. The City of Oxford is located on Interstate 20, sixty (60) miles east of Birmingham, Alabama and ninety (90) miles west of Atlanta, Georgia. The city is directly north of Talladega County where Cheaha State Park is located. The name, Cheaha Bank, was derived from Mount Cheaha, the highest mountain peak in Alabama.

Cheaha Bank was formed in August 2000 by a group of local businessmen who saw the need for a home-owned, community bank. The staff consists of local, experienced bankers who have a desire to provide efficient and courteous service to the citizens of Oxford and its’ surrounding area. 

The bank is capable of providing all of your banking needs, whether large or small. We have the modern technology of internet banking, 24-hour telephone banking and ATM/Debit card access, yet we are committed to providing personal and friendly customer service within our local bank office.

The bank offers several options for checking, savings and money market accounts, as well as Individual Retirement Accounts and Certificates of Deposit. We also offer a variety of loans, ranging from small personal loans to real estate loans and large commercial loans with competitive interest rates.

Please visit one of our locations, where you can meet our staff and allow us to provide our expertise in meeting your banking needs.

Shad Williams – President & Chief Executive Officer
Barbara A. Montgomery – Executive Vice President & Chief Financial Officer
Scott James – Executive Vice President & Senior Lending Officer
Debbie C. Laymon – Senior Vice President & Operations Officer
Wayne Carden -  Vice President & Loan Officer
Jay R. Lloyd – Vice President & Loan Officer
Mike Watts – Vice President & Loan Officer
Barney Turner - Vice President & Loan Officer
Lamar Sims - Vice President & Loan Officer
Alan Easterwood – Vice President / Mortgage Loan Officer
Ginger Kimbrell – Assistant Vice President


Ron Aderholt Jimmy Justice
Randy Beshears Toby Miller
Donnie Borrelli Dwight Rice
Herbert Cunningham Shad Williams



1320 Highway Drive Oxford, Alabama 36203   Phone: (256) 835-8855   Fax: (256) 835-1026