Pub.11 2022 Issue2

TOC	4
Chairman’s Message	6
President’s Message	7
2022 VACB Williams Mullen 22nd Annual Bankers’ Cup Tournament	8
2022 US Community Bank Market Report	12
Public Pension Update	14
Social Engineering: Attacking the Human Element	18
Thank You, VACB Partners!	20
Upcoming Webinars	22

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