SPARTANBURG, S.C., April 7, 2025 – The Southern Bank has appointed M.J. “J.” Huggins III
as its new Chief Executive Officer, bringing nearly 40 years of experience in community banking
leadership to the growing financial institution.
Huggins, a widely respected industry veteran, will oversee strategic growth, operational
excellence, and community engagement, reinforcing The Southern Bank’s commitment to
delivering best-in-class financial services across South Carolina and Georgia.
“We are thrilled to welcome J. Huggins to our leadership team,” said Jamin M. Hujik, CEO of
Southern Financial Corporation, and Executive Vice-Chairman of The Southern Bank. “J.’s deep
understanding of community banking, combined with his proven track record of leadership and
passion for serving local businesses and families, makes him the perfect choice to drive our
next phase of growth.”
Southern Financial Corporation Board Chairman Andy Mitchell echoed the excitement, adding:
“J. has a remarkable ability to lead community banks to success. His experience, vision, and
leadership will be instrumental as we continue to expand our footprint and enhance our
customer experience.”
Huggins most recently served as Director of Credit Risk Management at United Bank, following
23 successful years with Crescent Bank, later CresCom Bank, where he held key executive
positions, including President, Secretary, and Director. He has also held leadership roles at
Carolina First Bank and C&S Bank in Atlanta.
“This was an opportunity I simply could not pass up,” said J. Huggins. “I’m excited to reunite
with an exceptional team, including Jamin Hujik and Scott Frierson, who were instrumental in
building CresCom’s success. Together, we have a tremendous opportunity to elevate The
Southern Bank and redefine what a community bank can be.”
Beyond his executive experience, Huggins is deeply involved in the banking industry and local
community. He serves on the board of the Business Development Corporation of South
Carolina, as well as the Wall College of Business at Coastal Carolina University, where he was
previously honored as Outstanding Alumnus of the Year.
A graduate of the LSU Graduate School of Banking and Coastal Carolina University, Huggins is
originally from Myrtle Beach, S.C., and now resides in Charleston, S.C., with his wife. His two
sons have followed in his footsteps, both working in the financial industry.
With Huggins joining the team, The Southern Bank is poised for strategic expansion, enhanced
customer experience, and deeper community engagement. His leadership marks an exciting
new chapter for the institution as it continues its mission to strengthen local economies and
serve the financial needs of its communities.
To learn more about The Southern Bank’s vision for the future, visit thesouthern.bank.