Milton Ray Cole Jr.

M. Ray Cole, Jr. currently serves as CEO and President of First, A National Banking Association (the “Bank”) and First Bancshares, Inc. (the “Company”). Prior to joining the Bank in September of 2002, Mr. Cole was Secretary/Treasurer and Chief Financial Officer of the Headrick Companies, Inc. for eleven years. Mr. Cole began his career with The First National Bank of Commerce in New Orleans, Louisiana and held the position of Corporate Banking Officer from 1985 to 1988. In December of 1988, Mr. Cole joined Sunburst Bank in Laurel, Mississippi serving as Senior Lender and later as President of the Laurel office. Mr. Cole graduated from the University of Mississippi where he earned a Bachelor’s and Master’s Degree in Business Administration. Mr. Cole also attended the Stonier Graduate School of Banking at the University of Delaware. He served as Director of the Company from 1998 to 1999, and then from 2001 through present. He also served as a Director of the Company’s Laurel bank prior to consolidation and currently serves on the Board of the Bank.