2014 Vol. 98 No. 9

ASSOCIATION UPDATE:	4
PRESIDENT’S PONDERINGS	6
BOARD REVIEW	8
IBA CALENDAR OF EVENTS	9
COVER STORY - BILL HARROD: SMALL TOWN, BIG VALUES	10
FEATURE:	4
REGULATORY FEEDBACK INITIATIVE MAKES BANKERS' VOICES HEARD	16
OUR WAR ON REGULATORY BURDEN	24
A GROWING NEED FOR FINANCIAL EDUCATION	25
DIRECTORS / SENIOR MANAGEMENT - DON'T LOOK AT INTEREST-RATE RISK THROUGH ROSE-COLORED ASSUMPTIONS	14
GR SPOTLIGHT - IBA REGIONAL MEETINGS WRAP UP WITH SUCCESS	20
PSP SHOWCASE - FLOODPLAIN CONSULTANTS: PROVIDING ACCURACY AND RELIABILITY TO INDIANA BANKS	22
DEPARTMENTS:	4
NEW BRANCHES, BUILDINGS & OPENINGS	13
HONORS	13
COMPLIANCE CONNECTION	18
ASSOCIATE MEMBERS' CORNER	19
BANKING ON COMMUNITY	21
ANNIVERSARY MILESTONES	23
BANKERS ON THE MOVE	27
FROM THE BOARD ROOM	30
FINANCIAL LITERACY DIGEST	30
ADVERTISERS INDEX	30

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