VACB BOARD OF DIRECTORS © 2022 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 10 12 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 2022 VACB-Williams Mullen 22nd Annual Bankers’ Cup Tournament 10 2022 US Community Bank Market Report 12 Public Pension Update 16 Social Engineering: Attacking the Human Element 18 Thank You, VACB Partners! 20 Upcoming Webinars
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