VACB Chairman 2008
George Longest
President & CEO
Bank of Essex in Tapphannock
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Liquidity Management Seminar
A Program for Community Bank CEOs and CFOs
VACB understands the challenges many community banks are facing relative to their responsibility to identify, monitor, manage, and control its liquidity and market risk. And, VACB believes one way to help community bankers with issues of this nature, it to find opportunities whereby we can bring together regulators, industry experts and executive bank management to discuss the issues.
After participating in this seminar, you will leave with a better understanding of how you can manage liquidity and interest rate risk. Register today for this timely and topical seminar scheduled for August 26, 2008 at the Martha Washington Inn in Abingdon. For full registration details, click here.

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VACB Compliance Forum
Can You Afford NOT to be a Member?
The VACB Compliance Forum is a membership program for VACB's Member Banks. It is a comprehensive learning experience that covers the regulatory compliance areas for which a community bank compliance officer is responsible. The Compliance Forum introduces and reinforces the basic elements of each regulation while illustrating common pitfalls and solutions. The program is designed for experienced community bankers seeking to bolster their knowledge of current best practices and regualtory changes, as well as first-time community bank compliance officers who need a complete introduction to all applicable banking regulations.
VACB Member Banks are invited and encouraged to attend the program to see how it could complement their compliance program at their bank. VACB will hold its Third Quarter meetings September 9th at The Place at Innsbrook for the Central group, and September 11th at the Higher Education Center in Abingon for the Southwest group. If you have any questions, call VACB and ask for Katharine Garner, Director of Education.
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Fee Income: O Wherefore Art Thou? -
Fact #1: Compared to big banks, community banks rely heavily on net interest margins.Fact #2: Net interest margins are at a 19-year low.Fact #3: To maintain fee income, community banks have historically relied on mortgages.Fact #4: Mortgages are declining and will continue to decline sharply through EOY2009.So, what should you do? Should your bank change its... [ MORE ]
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Elizabeth Fast, J.D. and C.P.A - Elizabeth Fast focuses her legal practice on the representation of financial institutions.She is a partner at the law firm of Spencer Fane Britt & Browne LLP, where she heads up the firm’s training division known as Bankers Choice. She has represented bankers for over 20 years, previously serving as general counsel and senior vice president of a Midwest bank, where she was responsible for all legal, regulatory, and compliance matters.
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Sign up for the 09/09/2008 seminar by Elizabeth Fast, J.D. and C.P.A,
entitled Proper Perfection of Security Interest in Collateral, or view all programs on the VACB Calendar of Events.
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VACB 31st Annual Convention & Trade Show
October 19-22, 2008 ~ Pinehurst Resort
Convention brochures are in the mail. We hope you will make your plans to join your peers at the beautiful Pinehurst Resort in North Carolina. To learn more about Pinehurst click here. We'll see you in North Carolina!
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