VACB BOARD OF DIRECTORS © 2021 Virginia Association of Community Banks |The newsLINKGroup, LLC. All rights reserved.The Community Banker is published four times each year byThe newsLINKGroup, LLC for the Virginia Association of Community Banks and is the official publication for this association.The information contained in this publication is intended to provide general information for review and consideration.The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your specific circumstances.The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of the Virginia Association of Community Banks, its board of directors, or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised.The Community Banker is a collective work, and as such, some articles are submitted by authors who are independent of theVirginiaAssociationof Community Banks.WhileTheCommunity Banker encourages a first-print policy, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at 855-747-4003. CONTENTS 16 18 CHAIR Dennis A. Dysart First Bank Strasburg CHAIR-ELECT Jay A. Stafford Benchmark Community Bank Kenbridge VICE CHAIR Tara Y. Harrison Virginia National Bank Charlottesville IMMEDIATE PAST CHAIRMAN J. Michael Thomas Select Bank Lynchburg ICBA VIRGINIA DELEGATE Mark C. Hanna F&M Bank Timberville PRESIDENT & CEO Steven C. Yeakel, CAE VACB Richmond VACB DIRECTORS CLASS OF 2022 Dabney T.P. Gilliam, Jr. The Bank of Charlotte County Phenix Bryan P. Thompson Highlands Community Bank Covington Joseph R. Witt The Old Point National Bank Hampton CLASS OF 2023 J. Steven Grist CornerStone Bank Lexington James E. Hendricks Village Bank Midlothian Lisa E. Kilgour MainStreet Bank Fairfax Paul M. Mylum National Bank Roanoke Thomas L. Rasey, Jr. The Farmers Bank of Appomattox Appomattox CLASS OF 2024 Christopher B. Snodgrass The Bank of Marion Marion Blake M. Edwards, Jr. Skyline National Bank Independence VACB STAFF Katharine C. Garner, CMP Vice President Education & Communications Kelli C. Mallinger Member Services Administrator 4 Chairman’s Message 5 President’s Message 6 VACB 44th Annual Convention October 3-5, 2021 Hotel Roanoke & Conference Center 12 VACB 44th Annual Convention & Trade Show Exhibit Hall Prize Winners 14 Thank You, Convention Sponsors 15 Newly Elected Officers and Board Members for 2021-22 16 Smart Ways to Find Loan Growth 18 Banking on the “E” in ESG 20 Uncovering Fee-Income and Yield Opportunities in a Challenging Market 21 ACH Debit Entry Fraud
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