More than four decades ago Joseph F. Chapman, III began a tradition of innovation, quality and a strong belief in community stewardship- all cornerstones of the Royal American name. Following graduation from the University of Florida, College of Law, Chapman served as Chief General Counsel for the Governor’s Office of the State of Florida as well as Chief Counsel for the Florida State Road Board. Returning to Panama City in 1967, he entered law practice while successfully seeking a seat in the Florida Legislature for two terms. By 1972 Mr. Chapman directed all his time and efforts to the growth of Royal American.