Board of Directors

Jo Navaretta


Jo Navaretta is co-owner of J&J Leasing, Inc. dba J&J Property Management and Development since 1991. She and her husband sold the business they owned and operated for 32 years, Pitzer’s One Hour Heating and A/C along with Benjamin Franklin Plumbing. Prior to that, Ms. Navaretta held the positions of paralegal in New York and Loan Officer/Assistant Manager for The Arizona Bank in Lake Havasu City. Ms. Navaretta is past President of the Lake Havasu Unified School District Governing Board, member of ASU Community Advisory Group, member and past president of Soroptimist International of Lake Havasu City, honorary member of Lake Havasu City Rotary Club and various other civic and charitable organizations.

Dr. Hitendra Chauhan

Vice Chairman

Dr. Chauhan is a practicing physician with Midwest Internal Medicine Group. He received his Medical Degree from the University of Zambia. Dr. Chauhan completed his residency and fellowship at the University of Health Sciences in Chicago. He has full medical staff privileges at Havasu Regional Medical Center and was past Chief of Staff.

Gary Clausen


Mr. Clausen is one of the original organizers of Horizon Community Bank. He has been on the HBI and HCB Boards since the inception of the Bank. Mr. Clausen is president of PURE Choice MotorSports LLC. He has been involved in the automotive, aircraft and oil industries his entire career. PURE Choice MotorSports LLC is a designer, manufacturer, and distributor of high quality specialty performance parts for the automotive, racing, and boating industries.

Mark Durham


Mr. Durham is a licensed contractor and president of Durham Construction Inc. Durham Construction Inc. is involved in developing both commercial and residential properties in Arizona. Mr. Durham is a graduate of Cal State University Long Beach School of Engineering.

Jerry Ernst


Mr. Ernst serves as President/CEO of Horizon Community Bank. He has served in the same capacity in banks in Arizona and Florida for the past 27 years. He has been in the banking industry since 1976. Mr. Ernst is a member of London Bridge Rotary, past president of Rotary and the past president of Western Independent Bankers Association, and has served as chairman or board member of numerous civic and charitable organizations.

Jerry Johnson


Jerry Johnson has been a licensed contractor for over 43 years. He is the president of J&P Development. J&P Development is involved in developing both commercial and residential properties in Arizona. Prior to moving to Arizona in 1988, he was also an information and education specialist in fire prevention for the U.S. Forest Service in the state of California.



President &
Chief Executive Officer

Ross Johnson


Executive Vice President &
Chief Financial Officer

Mark Martinez


Executive Vice President &
Chief Credit Officer

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