Tierra Kavanaugh Turner, CEO, TKT & Associates, Inc., Louisville, is the Kentucky SBA Minority Small Business Champion of the Year.  Terry Spears, SBA Small Business Banking Officer at Community Trust Bank, Inc., Pikeville, is the Kentucky SBA Financial Services Champion of the Year.  Congratulations to TKT & Associates, Inc. and Community Trust Bank, Inc. for their service and dedication to small businesses across the state.