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KNOXVILLE, TN (July 13, 2008) – Bill Carroll, Chairman of the Board for SmartBank, has announced the Bank’s expansion into Knoxville. “Expanding into this market has been part of SmartBank’s business plan since inception and we feel the timing is right for a new forward-thinking community bank in Knoxville,” said Chairman Carroll.

SmartBank’s office is located at 7827 Montvue Center Way, across from West Town Mall. The bank currently has four offices; three in Sevier County and one in Knoxville. SmartBank opened in 2007, and continues to be among the nation’s fastest growing new community banks recently surpassing $250 million in assets.

Mr. Carroll, one of East Tennessee’s most respected bankers and member of the University of Tennessee Board of Trustees, quickly attributes SmartBank’s rapid growth to their all-star leadership team. “I am proud of the team that we’ve assembled and credit the growth of our Bank to the experience, dedication and wealth of knowledge comprised in our leadership team,” stated Carroll.

Joining the SmartBank team as First Vice President, Knoxville Area Executive is Kenny Graves. Graves has accumulated more than 20 years of diverse banking experience most recently with SunTrust Bank’s Private Wealth Management Division. He is a Certified Financial Planner and holds FINRA series 7 and series 66 securities licenses. He graduated from the University of Tennessee and furthered his education with a Master’s Degree from Tusculum College and will serve the Bank in its Knoxville Office specializing in Private Banking, Wealth Management and Investments.

SmartBank has been known as an innovative, “cutting edge” bank with a dynamic atmosphere and company culture that drives the organization. SmartBank President and CEO, Billy Carroll, said “We are creating a culture where the atmosphere is energetic and the experience our clients have is special. Our associates have cultivated this concept and embraced it from the beginning.”

For more information about SmartBank, please visit www.smartbank.net or call 865.453.2650.