Smith, Rick N.: - Rick Smith graduated from Wingate University and Appalachian State University. After a career in real estate, he joined First Savings and Loan Association, eventually becoming CEO. Rick is now retired and lives in Mebane, North Carolina, with his wife, Juliana. This is Rick's second book. His first book, Change for A Dollar, chronicled the history of First Savings and Loan and his hometown of Mebane, North Carolina.