Lloyd was born and raised in Mendenhall, Mississippi. He learned to play the guitar and harmonica from his older brothers who had a touring band called Th' Rugby's while he was still in high school.  While at home, they would teach him new licks to practice before heading out again.  Lloyd took it from there and soon was able to sit in with the band and take part in those famous Munn family music jams. 
 
      Over the past several years Lloyd has played over 600 different venues and has had the privilege of playing with some of the best musicians in the area.  He frequently played the famous “Subway Lounge” in Jackson, Mississippi with the King Edward Band in its last years in existence.