Pub. 12 2023 Issue 1

President's Column Collaboration in Education Moving in the Right Direction	4
Chairman's Message Moving the VACB Forward in 2023	5
Discussing Community Banks and Bankers Helping Bankers	7
Saving Community Banks Cooperation and Planned Succession	11
Windows 11 vs. Windows 10 Should You Make the Switch?	14
Regluators Should Rethink Climate Proposals to Eliminate Community Bank Impact	16
Save The Date VACB 46th Annual Convention & Trade Show	18
Six Strategies To Navigate Credit Stress	20
Save the Date VACB 23rd Annual Golf Tournament	22

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