Pastor Lloyd and his wife Nancy started

Gulf to Lake Church on January 1st, 1995 with 12 people in attendance at their home. Three weeks later they had the first service to the community in a rented Banquet Hall in Meadowcrest and 192 people showed up. God has had His hand on the ministry from day one. Pastor Lloyd began as a Senior Pastor in April of 1981 in Colorado, but Crystal River is his home town. He has a D. Min. degree but will tell you that the best training was starting a church from scratch and making a lot of mistakes that was "covered" by the grace and mercy of God.

Senior Pastor

Lloyd Bertine

Pastor Steve was born in Jacksonville, Florida. He married his high school sweetheart, Laura. They have 2 boys, Christian and Cason. He graduated from the Baptist College of Florida with a BA in Christian Education in 2002. In 2008 he received a Master of Arts Leadership Degree from Liberty Theological Seminary. After serving at Gulf to Lake for 10 years as the Youth Pastor, he is now our Associate Pastor of Outreach. His passion for missions and evangelism is what drives him so that everyone will know that Jesus saves. 

Associate Pastor of Outreach

Steve Phillips

Pastor Jeff was born in Connecticut, but has called Florida his home since 1975. He has been married to Dana for over 30 years and they have three boys. He graduated from USF with a degree in Civil Engineering and has been a Professional Engineer for over 20 years. When he was 15, he experienced God’s Call on his life and has been serving that Call ever since: primarily in music, his passion. Recently, here at Gulf to Lake, he has answered the Call into full time ministry: “It is an honor and privilege to serve our Lord.”  

Family Care and Campus Pastor

Jeff Gower

Nancy was born in Columbus, Ohio and has been a resident of Florida for over 30 years. She is the wife of the Senior Pastor and co-founder of Gulf to Lake Church. Nancy has a Bachelor of Music Education & Performance and has been in Full-time Music Ministry for over 30 years. Her scripture to live by is “Trust in the Lord with all your heart, do not depend on your own understanding. Seek his will in all you do, and he will show you which path to take!” (Prov. 3:5-6)

Minister of Music/Worship

Nancy Bertine

Kerri currently serves as the Children’s Director at Gulf To Lake Church.  Born in Wisconsin, she received her degree in Administration.  She is married to Jeff and has three children. She is privileged to coordinate Gulf To Lake Church Nursery, Pre-School, and

Children’s Ministry. Creativity is her specialty! Loving children is her passion!

Children's Ministry Director

Kerri Riemer

Adam was born in Fall River, Mass and has lived in Florida for 14 years. Originally

a Gulf to Lake church member he became the Youth Ministry Assistant in 2009.

Accepting God’s call to the ministry he relocated to the Music Department. Adam

recently graduated from The Baptist College of Florida receiving a BA of Ministry

Studies/Leadership. His passion is to see God’s Kingdom expanded by connecting

with the community and helping to lead GTLC into authentic worship.

Minister of Music and Technology

Adam Lindo

Chris was born in Charlotte, North Carolina. He has been a Floridian since age 13 and has a background in the financial industry. He has served as a volunteer leader for Gulf To Lake Church for many years. His passion is in directing and leading sports and recreation for all ages and now serves on Staff as the Director of Sports and Recreation.  He is married to Kelli and has three children.

Sports and Recreation Minister

Chris Hope

Nursery Director

Donna Lanier

Financial Advisor

Kelli Hope

Audio Engineer

David Robertson


Laura Phillips


Tracy Paul

Music Ministry Assistant

Dana Gower

Sr. Pastor Secretary

Lorraine Heymer

Campus Receptionist

Ronie Bilotto


Dan McNeil

Council Members (Elders)

Lloyd Bertine

Wayne Burns

Glen Cook

Frank Laga

Terry Lanier

Ray New

Don Zoucha

Board of Trustees

Roger Coffey

Mike Duncan

Max Logan

Randy Love

Fran McCalla

Stuart Redrick

Sally Wade

Contact Us


1454 N. Gulf Ave.

Crystal River, Fl 34429


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