Pub 14 2023 Issue 3

President’s Message: Value Is in the Eye of the Beholder	5
Meet Your Chairman - Tom Whaling, West Union Bank	6
Community Corner: Peoples Bank	10
West Virginia Security for Public Deposits Program	12
Thank You Sponsors	14
S.R. Snodgrass Announces Two New Hires	15
Artificial Intelligence - The Benefits and Challenges for Financial Institutions	18
Virtual CISO: An Easier Way to Get the InfoSec Services You Need	21
Under Pressure: Cost of Funds Strategies in a Rising Rate Environment	24
Is Your Balance Sheet Recession Ready?	28

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