I was born in Richfield, Utah and raised in Circleville, Utah. I attended SUSC in Cedar City, Utah from 1973-1977 and graduated with a BS degree in Business and Finance. I did my post graduate work at the Pacific Coast Banking School in Washington State. I have lived in Cedar City for 38 years. I have worked at State Bank of Southern Utah for 34 years, most recently holding the position of CFO. I am married to Mary Ellen Schmutz Westwood and the am the father of 5 children. I am the proud grandpa of 15 grandchildren.