FDIC Federal Register Citations

FDIC Federal Register Citations
FDIC Federal Register Citations 2006 Proposed Final Notices Statements of Policy Citation Archive - 1997-2005	Comments Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices. Comment Period Extended: 4/13/06. Submitted by Jim Randall Hebron Savings Bank, Gregory W. Johnson NorthSide Community Bank, Bill Kivit Stonegate Bank, Dave Seleski Country Bank, Aledo, IL, Dana Frye America California Bank, San Francisco, CA, Kathryn L. Sommer Community Bank & Trust of Florida, Ocala, FL, Hugh F. Dailey - PDF 84k McFarland State Bank, McFarland, WI, Steve Swanson America's Community Bankers, Patricia A. Milon Commercial Bank, Alma, MI, Andrew P. Shafley Bay Bank & Trust Co., Panama City, FL, Wade Spears State Bank of Southern Utah, H. LaNor Warby Wakulla Bank, Chris Kelley Premier Bank, Jefferson City, MO, Jerry Nail - PDF 54k Carolina Bank, Greensboro, NC, Robert T. Braswell - PDF 218k Bay Cities National Bank, Redondo Beach, CA, Ron Schmidt - PDF 106k Bitterroot Valley Bank, Lolo, MT, Rich Zins Collegiate Peaks Bank, Buena Vista, CO, Mike Ormsby First Alliance Bank, Memphis, TN, L. Hunt Campbell - PDF 123k MCNB Bank & Trust Co., Lee M. Ellis Greene County Bank, Jim Dalton - PDF 69k Exchange Bank, Santa Rosa, CA, Edgar M. Gomez Hillcrest Bank, Overland Park, KS, Thomas J. Davies - PDF 123k Bay Bank & Trust Co., Panama City, FL, E. Clay Lewis, III - PDF 97k Bank of the San Juans, Durango, CO, Arthur C. Chase, Jr. - PDF 54k North Carolina Bankers Association, Raleigh, NC, Nathan R. Batts - PDF 55k Peoples Bank, Lawrence, KS, Wint Winter, Jr. - PDF K Bank, Owings Mills, MD, David H. Wells, Jr. - PDF 100k Timothy D. Smith, Beverly, MA Arthur Horgan, Lyn, MA Michael Wheeler, Beverly, MA Andrew Eldridge, Hyannis, MA Raul Ferrera, Cohaset, MA Joseph Vinard, Chelsea, MA Stephen Rowan, Wayland, MA Sergio Jaramillo, Canton, MA Bart Murphy, Hudson, MA John Glovsky, Beverly, MA Conrad Bernier, Pittsfield, MA Melrose Cole, Wenham, MA Thomas McElligott, West Newbury, MA Roger E. Marcorelle, Marblehead, MA Glenn Johnson, Winchester, MA Martha Whisner, Medway, MA Rosemary Earley, Rockland, MA John O'Connor, Rockland, MA Robert Vachon, North Andover, MA Janice Sekenski, Chelsea, MA Charlene Smolkowicz, Monson, MA Daniel Murphy III, North Andover, MA Jane Walsh, North Andover, MA Thomas Fontaine, Wellesley, MA Ann Sherry, Medway, MA Susan Rovedo, Medway, MA Janet M. Magni, Newton, MA Melvin McKee, Medway, MA Thomas Leetch, Brighton, MA John Hamilton, Medway, MA Laura Proulx, Beverly, MA Mark O'Connell, Hudson, MA Lindsey Management, Fayetteville, AR, James E. Lindsey - PDF Craig Carpenter, Ocala, FL Dave Croson, Sanford, FL Thomas P. O'Connell, N. Quincy, MA Robert Paulhus, Clinton, MA Edward Casavant, Wellesley, MA Patricia Hanlon, Boston, MA Richard Newton, Lynn, MA Donna Stone, Hampden, MA Edward Sousa, Raynham, MA Bank VI, Salina, KS, Tom Wilbur Ray D. Gilmore, Newport, RI Nancy Dooley, Ormond Beach, FL Blaine Lansberry, Daytona Beach, FL Hometown Bank, A Co-operative Bank, Matthew S. Sosik Peter Dello Russo, Raynham, MA Thomas Dargan, Ormond Beach, FL Debra Barrionuevo, Tampa, FL Kelly DelVecchio, Tampa, FL William Holley, Tampa, FL John R. Casebier, Winter Park, FL Douglas Small, Lakeland, FL Western Bank, St. Paul, MN, Stephen Erdall Amanda Skaggs, Orlando, FL First State Bank of Wyoming, Wyoming, MN, Mark A. Zaruba - PDF158k Charles Umberger, Coral Gables, FL Glenwood State Bank, Glenwood, MN, Jim Morrissey - PDF L. Newton, Tallahassee, FL Highland Bank, St. Paul, MN, Patrick J. Bradley J. Kimbrough Davis, Tallahassee, FL Kenneth Ely, Lakeland, FL Anthony Atkins, Destin, FL Mark Lopez, Tampa, FL Gregory Nelson, Eusts, FL Don Page, Brooksville, FL Carmen Lusignan, Tampa, FL William Herrera, Miami, FL David McManus, Miami, FL Arthur Tosh, Davie, FL Jeffrey M. Ruttenber, Belleview, FL Michael Tucker, Greenfield, MA Old Line Bank, Waldorf, MD, James W. Cornelsen - PDF 118k Robert Moran, East Weymouth, MA Neal Katz, Salem, MA Mark Grenier, Gloucester, MA First National Bank of Deerwood, Deerwood, MN, John H. Ohlin Cambridge State Bank, Cambridge, MA, Bruce Montgomery Alma Shuckhart, Naples, FL Wilshire State Bank, Los Angeles, CA, Justin Shin ShoreBank, Chicago, IL, Anne Arvia - PDF 167k Cambridge State Bank, Cambridge, MN, Kim M. Erickson - PDF 96k Village Bank, Midlothian, VA, Thomas W. Winfree - PDF 102k State Bank of Aurora, Aurora, MN, James E. Hausauer Cambridge Savings Bank, Cambridge, MA, Mark H. Teden Wainwright Bank & Trust Co., Boston, MA, Jan A. Miller Jennifer Doucette, Taunton, MA Jennings State Bank, Stillwater, MN, Paul Jennings Mountain West Bank, Coeur d'Alene, ID, Kathleen H. Dutro - PDF 55k Nancy E. Stokes, Taunton, MA Joseph Baptista, Jr., Taunton, MA Alliance FSB, Hinsdale, IL, Lawrence H. Chlum - PDF 158k Community Bank & Trust of Florida, Ocala, FL, Paul Hoffman - PDF 94k The Wilton Bank, Wilton, CT, Marion P. Brown - PDF 108k Weymouth Bank, Weymouth, MA Walter Dodson, Jr., Crawfordville, FL Olga Andrade, Taunton, MA Thomaston Savings Bank, Thomaston, CT, Peter R. Doiron Fairfield County Bank Corp, Ridgefield, CT, Charles Balocca Premier Banks, Maplewood, MN, Mark E. Novitzki - PDF 609k Security State Bank of Howard Lake, John T. Forstrom - PDF 1247 First Advantage Bank, Coon Rapids, MN, James G. Amundson - PDF 260k Iowa Bankers Association, Robert L. Hartwig - PDF Mountain West Bank, Jon Hippler Bank of Whitman, Colfax, WA, Kay Reibold CAPAHA Bank, Cape Girardeau, MO, John R. Abercrombie - PDF 67k Southern Community Bank and Trust, Winston-Salem, NC, Paul E. Neil, III - PDF 105k Premier Bank Minnesota, Patrick Novitzki City First Bank of DC, N.A., Edward E. Furash - PDF 952k Premier Banks, Christina J. Schellenberg James Golden, Weymouth, MA Premier Banks, Michael D. Kinderman Premier Banks, Jerry W. Moynagh Premier Banks, Jenny Hundley Premier Banks, Brian Carnes Premier Banks, Douglas Schultze Premier Banks, Tom Thibideau James Graziano, Weymouth, MA Premier Banks, JoAnn Caron Premier Banks, Travis Nettum Premier Banks, Brad Breyer Premier Banks, Sean Regan Premier Banks, Robert Mench Premier Banks, Casey Regan Premier Banks, Bill Miller Premier Banks, Andrew Nath Premier Banks, Sue Struckness Premier Bank Minnesota, Zona Gutzwiller Michigan Bankers Association, Dennis Koons - PDF 125k James Conboy, Cheboygan, MI BankFirst Financial Services, Macon, MS, Debbie Kirk BankFirst Financial Services, Macon, MS, Charlie Holmes John Tranter, Stuart, FL Edgewater Bank, St. Joseph, MI, Robert Baldwin George Haley, Stuart, FL New Buffalo Savings Bank, New Buffalo, MI, Ron Farina Premier Bank Minnesota, Philip Hocking Community Central Bank, Mt. Clemens, MI, Kim Schmidt Paul Gauthier, Peabody, MA Private Bank, Bloomfield Hills, MI, Patrick McQueen United Bank of Union, Mike Marcink United Bank of Union, John H. Armstrong Stoneham Savings Bank, Stoneham, MA, Mark E. Foley - PDF 115k Bank VI, Salina, KS, Alan R. Eichelberger - PDF 140k Security State Bank, Hibbing, MN, Patrick J. Gates - PDF 135k Georgia Bankers Association, Atlanta, GA, Joe Brannen - PDF 634k Maryland Bankers Association, Annapolis, MD, Daniel Higham - PDF 144k American Enterprise Bank, Buffalo Grove, IL, Jerry D. Cavanaugh - PDF 324k The Real Estate Roundtable, Washington, DC, Jeffery D. Deboer - PDF 157k Gateway Bank & Trust Co., J. Frank Horne - PDF Wendy Fraser, Taunton, MA Range Bank, Negaunee, MI, Kenneth Palmer Community Shores Bank, Muskegon, MI, Heather Brolick West Michigan Community Bank, Hudsonville, MI, Robert Sewick Lee Brown, Ft. Pierce, FL Lloyd DeVaux, Fort Lauderdale, FL Marcia Snyder, Fort Lauderdale, FL William Pomeroy, Ft. Pierce, FL Shannon Maddox, Bristol, FL W. Ben Flowers, Jr., DeLand, FL Jack Buell, West Palm Beach, FL George Najmy, Bradenton, FL Dave Hart, Bradenton, FL Andrew Eiche, Bradenton, FL Grand Bank & Trust of Florida, West Palm Beach, FL, J. Russell Greene Ann Dobbs, Sarasota, FL Clifford Ford, Bradenton, FL Linda Stalnaker, Bradenton, FL Brian Watterson, Bradenton, FL Nella Creason, Bradenton, FL Heather Briesacher, Bradenton, FL Patricia Reali, Bradenton, FL James McGarry, Bradenton, FL Peter Brown, Bradenton, FL Susan Atherton, Long Boat Key, FL Alex Sanchez, Tallahassee, FL Kim Burns-Donnell, West Palm Beach, FL Court Zoller, Bradenton, FL Brian Sullivan, Nokomis, FL Kathleen Cannon, Bradenton, FL Daryl Lyon, Wellington, FL Wainwright Bank, Boston, MA, Steve F. Young Fairfield County Bank Corp., Ridgefield, CT, Gary C. Smith Glacier Bank, Dennis Beams - PDF 89k Wainwright Bank - PDF 88k First Community Bank, Columbus, OH, Roger Blair - PDF Highland Commercial Bank, Marietta, GA, James H. Powell - PDF 60k Redding Bank of Commerce, Redding, CA, Patrick J. Moty - PDF 65k Fairfield County Bank Corp., Ridgefield, CT, Paul S. McNamara - PDF Nellie Homen-Penick, Danvers, MA David Anastasi, Danvers, MA Susan Cortucci, Danvers, MA Joyce Maglione, Danvers, MA Richard Felteau, Danvers, MA Peggy Yates, Newburyport, MA Debra Russo, Wilmington, MA Barbara Mullin, Andover, MA Sarah Barthel, Lee, NH Brian Broderick, Danvers, MA Rhonda Sabbio, Wilmington, MA Mercedes Kent, Danvers, MA Susan Hubbard, Reading, MA Margaret Getchell, Danvers, MA Brenda MacKey, Danvers, MA Janice Ouellette, Danvers, MA Alan Byrne, Danvers, MA Susan Carone, Danvers, MA Beth Hayes, Wakefield, MA Nancy Dahlen, Monson, MA Brian Haney, Salem, MA Erin Guthrie, Danvers, MA Nancy Kreinest, Danvers, MA Bryan Christoforo, Danvers, MA Barbara Gawron, Danvers MA Tara Fabiano, Danvers, MA Elvis Giraldes, Danvers, MA Jeannette Clark, Marblehead, MA Paul Sullivan, Danvers, MA Michelle Palmisano, Danvers, MA John O'Neil, North Reading, MA Richard Kennedy, Boston, MA Carol Szczechowicz, Danvers, MA Elaine Mosca, Danvers, MA Karen Connolly, Danvers, MA Diane Walbourne, Danvers, MA Cheryl Preston, Danvers, MA Phyllis M. Monigle, Danvers, MA Jack Murray, Londonderry, MA Scott True, Danvers, MA Dave Tenaglia, Danvers, MA Paula Capistran, Danvers, MA Lynne Grasso, Danvers, MA Daniel Wholey, Fitchburg, MA Nancy Harrison, Danvers, MA John Carroll, Randolph, MA Jennifer Bell, Middleton, MA Ronald Bradley, Monson, MA Paula Mason, Danvers, MA James McCarthy, Boxford, MA Joan Fernandes, Danvers, MA Robert Mulloy, Ipswich, MA Susan Bowers, Danvers, MA Victor Barraza, Revere, MA Tracy Kelly, Peabody, MA Doris Sorrentino, Revere, MA Peter Shabowich, Danvers, MA Madeleine Rossetti, Saugus, MA Christine Picillo, Middleton, MA Emily Topacio-Buckmaster, Salem, MA Caren Welenc, Danvers,MA Jonpaul Sallese, Danvers, MA Roland Desrochers, Monson, MA Daniel Moriarty, Monson, MA Richard Schrader, Stow, MA Kevin Bottomly, Danvers, MA Deborah McAdams, Lowell, MA James Wilkins, Hudson, MA Jack Hibbard, Monson, MA Rebecca Skeery, Salem, MA Carlos Osorto, Chelsea, MA Tricia Bertone, Danvers, MA Doreen Gallagher, Gloucester, MA Judith Tenaglia, Melrose, MA Eileen Lubas, Danvers, MA Tara Boucher, Danvers, MA Cheryl DeRocher, Danvers, MA Maureen Larivee, Danvers, MA Heather Lagonakis, Danvers, MA Nancy Brites, Danvers, MA Mary Terry, Danvers, MA Anthony DiSalvo, North Reading, MA Jessica Schiavo, Everett, MA Philip Downey, Scituate, MA Christine Gould, Danvers, MA Marcia Dorey, Beverly, MA Jill McManus, Danvers, MA Jodie Couturier, Beverly, MA Linda Viator, Danvers, MA Bigyan Chalise, Danvers, MA Judith Brown, Danvers, MA Silvy Shqepa, Beverly, MA Christine Plecinoga, Beverly, MA Maria Martins, Danvers, MA LW Rocker, Danvers, MA Diana Moreno, Salem, MA Cathryn Kent, Lawrence, MA Denise Alves, Danvers, MA Cheryl French, Danvers, MA Kevin Noyes, Middleton, MA Sandra DaCunha, Danvers, MA Rachel Lemieux, Beverly, MA Sonia Oliveira, Misleton, MA Andrea Carlson, Danvers, MA Joanne Braccia, Danvers, MA Philip Peters, Danvers, MA Donna Arbo, Danvers, MA George Madeiros, Woburn, MA Jennifer Clark, Danvers, MA Kelly LeBlanc, Danvers, MA Sara Lausier, Danvers, MA Judith Stephens, Danvers, MA Herlin Navarro, Danvers, MA Anastasia Barnett, Reading, MA Claudia Perez, Chelsea, MA Iris Rodriguez, Everett, MA Cathy Smith, Reading, MA Tracey Merritt, Reading, MA Kelly Raymond, Beverly, MA Maureen Gillis, Danvers, MA Cheryl Frye, Revere, MA Carolee McCulloch, Danvers, MA Erika Garcia, Danvers, MA Pamela Taylor, Danvers, MA Janet Ciulla, Danvers, MA Glenn Bouchie, Peabody, MA Mary Mulvihill, Middleton, MA Hemamalini Anumolu, Danvers, MA R. Van Bogan, Orlando, FL Frank Nelson, Miami, FL G. Paul Whorton, Summerland Key, FL Dorothy Bundt, Port Charlotte, FL Rosa Arias, Plantation, FL Lois Henry, Fort Myers, FL Teresa Cortez, Immokalee, FL William Strohm, Lehigh Acres, FL Patricia Carlson, Gainesville, FL Timothy Terry, Palm Beach Gardens, FL Robert Brookes, Miami, FL Rafael A. Ramirez, Daytona Beach, FL R. A. Ellinor, Ocala, FL Maria Elena Riera, Miami, FL Augusto Sigarreta, Coral Gables, FL John P. O'Neill, Sarasota, FL Lorraine Everhard, Orlando, FL L. Gary Wright, Monticello, FL Charles Brier, Miami, FL Fidel Fernandez, Homestead, FL Lane Diedrick, Englewood, FL Manuel Fernandez, Fort Lauderdale, FL Ned Shandloff, Fort Lauderdale, FL Susan deFreese, Lake Mary, FL Isidore Stein, Miami, FL Jeffrey Wingfield, Miami, FL Larry Cunningham, Seminole, FL Connie Quintanilla, Immokalee, FL Judith Jenkins, Lehigh Acres, FL Beverly Madonia, Cape Coral, FL Karen Shirley, Immokalee, FL John G. Ramblyn, Fort Myers, FL Raymond Holland, Immokalee, FL Juana Jimenez, Immokalee, FL Kathleen A. Latson, Fort Myers, FL Jennifer Bryden, Fort Myers, FL Jeffory Forbes, Seminole, FL Peter Martinez, Jr., Fort Myers, FL Tania Baker, Port Charlotte, FL Sohmer Knowles, Cape Coral, FL Gary Wrage, Naples, FL Andy Connell, Lehigh Acres, FL Kay Keller, Punta Gorda, FL Estee Rosenberg, Hollywood, FL Gene Babchick, Hollywood, FL Yolanda Espi, Hollywood, FL Perla Fatayer, Immokalee, FL Ryan Darling, Lehigh Acres, FL Helen Melusso, Cape Coral, FL Janet Rios, Immokalee, FL Carmen Alfaro, Miami, FL Patty Vealey, Lehigh Acres, FL Jeff Pence, Lehigh Acres, FL Ryan Rowe, Fort Myers, FL Bonnie Sanford, Cape Coral, FL Rebecca Connell, LaBelle, FL Angela Sealey, LaBelle, FL Michael Cranmer, Penscola, FL South Adams Savings Bank, Adams, MA, Charles P. O'Brien - PDF 53k State Bank of Kimball, Kimball, MN, Keith Markwardt - PDF 83k Wainwright Bank, Boston, MA, Nora Bloch - PDF 108k Darryl J. Fess, Plainville, MA - PDF 108k Donna Lewis, LaBelle, FL Lauren Stovall, Tallahassee, FL Nancy M. Friis, LaBelle, FL Helen Melluso, Cape Coral, FL Bill Marks, Weston, FL Tawana Carter, Midway, FL Monica Fischer, LaBelle, FL Pat Langford, LaBelle, FL Rhonda Rigsby, Ft. Myers, FL Sandy Thibodeaux, LaBelle, FL Julie Sampson, Alva, FL Janet Price, Immokalee, FL Michael Greenhoe, Cape Coral, FL Gloria Fernandez, Immokalee, FL Yvonne Kirdy, Punta Gorda, FL Susan Williams, LaBelle, FL Damon Jones, Port Charlotte, FL Michael Jordan, Immokalee, FL Gil Pomar, Jacksonville, FL Ida Reyna, Naples, FL Chris Jensen, Tallahassee, FL Judy Reinbott, LaBelle, FL Ana Alfonso, Miami, FL John James, Naples, FL Valerie Hartman, Lehigh Acres, FL Susan McLaughlin, Chelsea, MA Ronald Gannett, Exeter, NH Michael Doody, Revere, MA West Michigan Community Bank, Hudsonville, MI, Jeffrey Berens Kathy Mercurio, Chelsea, MA Tony Pascuccio, Danvers, MA Denise King, Revere, MA Greg Miner, Danvers, MA Debby DelVecheccio, Peabody, MA Priscilla Letorney, Danvers, MA Caitlyn Kulakowski, Danvers, MA Waler Dwyer, Spencer, MA Holly Nahabedian, Reading, MA Deborah O'Neil, Danvers, MA Lisa Rose Mandel, Danvers, MA Stephen Britton, Peabody, MA Joann Wood, Revere, MA Cathy Porcella, Revere, MA Lynda Messina, Revere, MA Anna Kulakowski, Revere, MA Shannon Connors, Revere, MA Melba Meunier, Danvers, MA Karen McManus, Danvers, MA Suzanne Dumas, Salem, MA Joann Dahlmer, Gloucester, MA Judith Vail, Danvers, MA Amybeth Palhares, Peabody, MA Terrance Weaver, Acton, MA Tania Melo, Danvers, MA Pauline Vromovrisiotis, Danvers, MA Lynne Feliz, Danvers, MA Adriana Ouimet, Danvers, MA Patrick Cogan, Danvers, MA Judith Ernest, Danvers, MA Robin Derba, Danvers, MA Deborah Rasnake, Fort Myers, FL Guillermo Urbina, Miami, FL Mary Beth Jones, Lehigh Acres, FL Kevin B. Lingard, Port Charlotte, FL Jennifer Dyess, Lehigh Acres, FL Patricia Wessel, Naples, FL Fred Wagner, Cape Coral, FL Rosemary Ocanas, Immokalee, FL FL Audrey Kinchen, Immokalee, FL Carol Adler, Naples, FL Cindy Delaparte, Jacksonville, FL William Brown, Fort Myers, FL Lelia Weathington, LaBelle, FL Sonya Murray, LaBelle, FL Amanda Clements, Tallahassee, FL Tawanna Concepcion, Naples, FL Marilyn Galbraith, Lehigh Acres, FL Jose Arroyave, Miami, FL Jessica Lee, LaBelle, FL Pete Klironomos, New Smyrna Beach, FL Jerry Williams, Naples, FL Susan Zelenak, Naples, FL Kenneth Blay, Jacksonville, FL Jo Ann Lopez, Immokalee, FL Sonya Canas, Miami, FL Cristina Menendez, Homestead, FL Mabel Whyte, Gainesville, FL Robert W. Carney, Jr., Naples, FL Michael Levitt, Jacksonville, FL Jerry Weisman, Homestead, FL Bernardo Barnhart, Immokalee, FL Victor Adame,LaBelle, FL Carmen Bordner, Alva, FL William Marin, Miramar, FL Hans Hamann, Naples, FL Tom Testwuide, Sr., Sarasota, FL Jerry Kyle, Brandon, FL Lauren Parrish, Winter Garden, FL Juan Canas, Miami, FL Christopher Priddy, Gainesville, FL David Hankin, Doral, FL Walter Serbon, Fort Myers, FL Donald Gates, Danvers, MA Mark Panella, Boxford, MA Kathleen Marcum, Grafton, MA Shannon Gately, Chelsea, MA M. Teresa Cunha, Danvers, MA Stephanie Chianca, Revere, MA Maria Toste, Danvers, MA Jacqueline Moose, Danvers, MA Donna Garr, Millbury, MA Arthur Santos, Danvers, MA Jackie Wheeler, Millville, MA Nicole Fortier, Franklin, MA Rosemary Picard, Franklin, MA Lisa Duquette, Bellingham, MA Laurie Rocheleau, Bellingham, MA Jaimie Klopotoski, Danvers, MA Manu Cunhu, Danvers, MA Pam Sweet, Middleton, MA Kristin Gallagher, Peabody, MA Nancy Grenon, Bellingham, MA Gayle Aponas, Danvers, MA Donald Brannelly, Danvers, MA Carol Sacco, Danvers, MA Nancy Davidge, Blackstone, MA Jonathan Davis, Franklin, MA George Harris, Wellesley, MA Veronica Vaz, Danvers, MA Timothy Bombard, Cambridge, MA Robyn Fuery, Medway, MA Wendy Kelley, Beverly, MA Tracey Crisp, Danvers, MA Patricia Brennan, Danvers, MA StonehamBank, Stoneham, MA, Janet Spencer Robert Millerick, Danvers, MA Kelly Kauler-McKillop, Salem, MA June Renaghan, Franklin, MA Bruce Healey, Franklin, MA Brighton Commerce Bank, Brighton, MI, Linda Lavely Conference of State Bank Supervisors, Neil Milner - PDF Paul Chaggaris, Walpole, MA Bank of Canton, Canton, MA, James D. Egan - PDF 52k Fidelity Federal Bank & Trust, West Palm Beach, FL, John C. Bova - PDF 106k Marian K. Pendergast - PDF Virginia Financial Group, Culpeper, VA, O.R. Barham, Jr. - PDF 251k Paula Botelho, Somerset, MA Michael Rouette, Monson, MA Corinne Sawyer, Monson, MA Richard Bennett, Port Charlotte, FL Susan Payne Turner, Crawfordville, FL Eugene O. Jenkins, Jr., Fort Myers, FL Grace Hudson, Immokalee, FL Bill West, Stuart, FL Craig Dietz, Stuart, FL BankFirst Financial Services, Jerry T. Wilson American National Bank and Trust Co., Danville, VA, Charles H. Majors - PDF 91k Virginia Bankers Association, Walter C. Ayers - PDF 168k Bank of Canton, Irving W. Goldberg - PDF 61k Bank of Canton, Canton, MA, John W. Wigmore - PDF 57k Donald P. McNeice, Jr. - PDF 51k McHenry Savings Bank, McHenry, IL, Robert L. Grammer - PDF 94k Wainwright Bank & Trust Co., Boston, MA, Pamela Feingold - PDF 98k Wainwright Bank & Trust Co., Boston, MA, Pat Capalbo - PDF 94k Beverly Cooperative Bank, Peter A. Hersee - PDF 106k First Bank of the South, Lawrenceville, GA, Glenn S. White - PDF 103k Village Bank, Midlothian, VA, R.T. Avery, III - PDF 75k Ohio Valley Bank Company, Gallipolis, OH, E. Richard Mahan Carlie Dugan, Marblehead, MA Shannon Fitzgerald, Wilmington, MA Jane Rizzo, Peabody, MA Allison Cochran, Fort Walton Beach, FL Paxton Hammett, Fort Walton Beach, FL Antonia Betts, Pensacola, FL Mike Killingsworth, Leesburg, FL Michele Johnson, Santa Rosa Beach, FL Randall Kealer, Pensacola, FL Sheila Oswald, Pensacola, FL Renee Reichling, Homestead, FL Gene Pavlic, Lehigh Acres, FL Ann Crowley, Naples, FL Moena Edwards, LaBelle, FL Carrie Crawley, Fort Walton Beach, FL Cristina Magee, Fort Walton Beach, FL Theresa Wallace, Fort Walton Beach, FL Michel Vogel, Fort Walton Beach, FL Yumna Abueluf, LaBelle, FL Cliff Butler, Apalachicola, FL Denise Smith, Immokalee, FL Gary Abramowicz, Stuart, FL Angie Thomas, Immokalee, FL Jill Lopez, Stuart, FL Guy Harris, Immokalee, FL Carole Deviese, Gainesville, FL Sandra Cotter, Stuart, FL Caroline Hartnett, Pensacola, FL Erika Lindsey, Sarasota, FL Kim Edwards, Winter Haven, FL Paulette Byrd, Tallahassee, FL Mary Frances Parsons, Jacksonville, FL Douglas Hazel, Washington, MO Danvers Bank, Danvers, MA, Kevin T. Bottomley - PDF Benjamin Franklin Bank, Franklin, MA, Rose Buckley - PDF 1207k North Dakota Bankers Association, Bismarck, ND, Marilyn Foss - PDF Charles Valade, Worcester, MA Ravenswood Bank, Chicago, IL, Eric Hubbard Lena Buteau, Monson, MA Citizens Bank, Byhalia, MS, Tracy D. Davidson First Mutual Bank, John Valaas The Apple Creek Banking Company, Kurt Kline American Bankers Association, Washington, DC, Paul Smith - PDF 724k First Federal Savings Bank, Champaign, IL, Paul D. Wilson - PDF California Bankers Association, Sacramento, CA, Leland Chan - PDF 640k Cincinnati Federal Savings & Loan Association, Cincinnati, OH, Gerald Mueller - PDF 224k United Community Banks, Inc., John ReVeal - PDF 224k Summit State Bank, Santa Rosa, CA, Douglas C. Haigh Ruth Thompson, Clearwater, FL Ray Thompson, Carrabelle, FL Jorge Triay, Coral Gables, FL David Leidel, Sebring, FL Sharon Stovall, Mount Dora, FL Richard Martin, Jacksonville, FL M C Bank & Trust Company, Morgan City, LA, Larry J. Callais - PDF Bank of Canton, Canton, MA, David A. Packard - PDF - 74k Bank of Canton, Canton, MA, Zachary C. Swain - PDF - 52k Bank of Canton, Canton, MA, John G. McCarthy - PDF - 54k Bank of Canton, Canton, MA, Timothy P. Rhuda - PDF - 60k Bank of Canton, Canton, MA, William T. Treddin - PDF - 52k Bank of Canton, Canton, MA, Barbara Cash - PDF - 57k Bank of Canton, Canton, MA, Stephen P. Costello - PDF - 72k Bank of Canton, Canton, MA, James R. Horrigan - PDF - 50k Bank of Canton, Canton, MA, Brian W. McDavitt - PDF - 52k Bank of Canton, Canton, MA, Steven V. Rotella - PDF - 68k Bank of Canton, Canton, MA, Donald R. Smith - PDF - 57k Bank of Canton, Canton, MA, Brian T. Fitzgerald - PDF - 58k Paragon Commercial Bank, Raleigh, NC, Robert C. Hatley - PDF - 55k Abington Bank, Jenkintown, PA, Robert W. White - PDF - 109k Edward J. Lynch, Jr. - PDF - 50k John H. Draper, III - PDF Charles W. Pinkham - PDF - 58k Virginia Bankers Association, Dean W. Withers - PDF - 267k Kentucky Office of Financial Institutions, Cordell G. Lawrence - PDF - 86k Great Western Bank, Jeffory A. Erickson - PDF - 165k Bank of America, Charlotte, NC, Eugene J. Godbold, Jr. - PDF New Jersey League of Community Bankers, Cranford, NJ, James R. Silkensen - PDF Pamela Montpelier, Franklin, MA Joseph Scholl, Walpole, MA Cheryl Meeks, Quincy, FL Rick Rosinski, Bay City, MI Robert Verdonck, Peabody, MA Tracy Murphy, Walpole, MA Keith Crews, Union, MO America's Community Bankers, Janet Frank - PDF 68k Community Development Bankers Association, Washington, DC, Robert M. McGill - PDF 114k SpiritBank, Tulsa, OK, Albert C. Kelly, Jr. - PDF 2,249k Connie Foster, Panama City, FL Brian DiBona, Marengo, IL Michele Dierker, Union, MO Joseph Morgan, Charlestown, IN Randy Riley, Kirksville, MO John Wassilak, Cuba, MO Wayne Schomburg, Sealy, TX Timothy Streeter, Riverside, CA Barry Smith, Adel, IA William Rayfield, Osawatomi, KS Mark Gatzki, Midland, TX Wes Condron, Blue Springs, MO Michael Vanderpool, Riverside, CA John Myles, Arlington, VA Clint E. Williams, Ogden, UT Marvin Svec, Sealy, TX David Weed, Littleton, NH Chad Lewis, Louisburg, KS David Hinck, Kearney, MO Robert Sewick, Hudsonville, MI Robert Todd, Stratton, CO Wayne Gale, Flagstaff, AZ Peter J. Mancini, East Tawas, MI Wanda Bain, Russellville, AL Mark Fuchs, Osawatomie, KS Roger Jeremiah, Jonestown, PA Laura Aycock, Russellville, AL Dennis Daedlow, Wever, IA Richard Carncross, Bad Axe, MI J. Theron Stangry, Lake Wales, FL Neil Beckman, Bessemer, MI Stephen C. Sager, St. Charles, IL Kenneth Kaergard, St. Charles, IL Larry Nelson, Mountain Home, AR Jodee DeBates, St. Charles, IL Dean Carlson, St. Charles, IL Cynthia Mahl, Medina, OH David Gedde, Gonvick, MN Pam LeBlanc, Worcester, MA Western Community Bank, Orem, UT, Craig Forsyth - PDF Kansas Bankers Association, Topeka, KS, Chuck Stones - PDF Bill Wyckoff, Altamont, KS Cesar Co., West Chicago, IL Kent Scheible, Kearney, MO Jim Davis, Russellville, AL Edward Clouse, Blanchard, OK Mike Rigby, N. Richland Hills, TX Jeff Agee, Dyersburg, TN Pat Haughton-James, Homestead, FL David Redmond, Lyndonville, VT Anne Talbott, Sedgwick, KS Alexander Babey, LaGrange, KY Stephen Norton, LaGrange, KY Nicholas Schrup, Dubuque, IA Jim McVay, El Paso, TX Debra Luiz, Frostproof, FL Kevin R. Goffe, Cumberland, RI George Briant, Canadian, TX John McCaleb, Roanoke, VA Goshen Community Bank, Douglas A. Johnston - PDF Desert Community Bank, Rodney Chaney - PDF Desert Community Bank, Las Vegas, NV, Michelle Scalzo - PDF Desert Community Bank, James W. Howard - PDF John Evans, Sr., Burley, ID Summit Bank of Kansas City, Lees Summit, MO, Richard Viar - PDF Bank of Belleville, Belleville, IL, Kevin M. Pesko - PDF 53k Yuma Community Bank, Katherine M. Brandon - PDF Desert Community Bank, Steve Stiver Fifth Street Bank, Las Vegas, NV, Philip D. LaChapelle - PDF 861k The Community Bank, Loganville, GA, Stanley H. Kelley - PDF Ellis Gutshall, Roanoke, VA Thomas Kern, Covington, LA Kenneth Hitt, De Soto, KS Jeffrey Kieffer, De Soto, KS Mesa Bank, Mesa, AZ, Neil Barna - PDF Bank of Auburn Hills, Auburn Hills, MI, Neal J. Searle - PDF Bank of Escondido, Escondido, CA, Michael R. Peters - PDF Paragon Bank & Trust, Randall R. Smith - PDF Valley First Community Bank, Scottsdale, AZ, Judith R. Egan Elkhart Community Bank, Steven L. Brown Mid Penn Bank, Millersburg, PA, Alan Dakey - PDF Jerry Lightfoot, Oklahoma City, OK Randy Hook, Oklahoma City, OK L. D. Ferguson, Oklahoma City, OK Gary Houghton, Oklahoma City, OK Richard Malone, Oklahoma City, OK Martha McCuddy, Oklahoma City, OK Mike Spann, Oklahoma City, OK Sue Adams, Oklahoma City, OK Robert Holland, Oklahoma City, OK Southern Arizona Community Bank, John P. Lewis - PDF Elaine Buckley, Roslindale, MA Amy Mitchell, Gloucester, MA John Workun, Oklahoma City, OK Jeff Massad, Oklahoma City, OK Alan Webb, Oklahoma City, OK Randy Corp, Oklahoma City, OK Steve Thompson, Oklahoma City, OK Clyde Cunningham, Oklahoma City, OK Bert Olah, Jr., Oklahoma City, OK Deborah Golding, Midlothian, VA Judith Egan, Scottsdale, AZ Michael Balsbaugh, Kansas City, MO Pamela Cyr, Philadelphia, PA Rick Jordan, Mt. Vernon, GA David Hatcher, Dickson, TN Ted H. Williams, Dickson, TN Steven Slack, Crystal Lake, IL Robert Couton, Wahoo, NE Chevis C. Swetman, Biloxi, MS Nebraska Bankers Association, Lincoln, NE, George Beattie Oklahoma Bankers Association, Oklahoma City, OK, Robert M. Beverage - PDF Mark Uhler Deborah Jordan, Bangor, ME Indiana Bankers Association, James H. Cousins - PDF Desert Community Bank, Rose Dominguez Darby Byrd, Orange, TX Utah Bankers Association, Salt Lake City, UT, Howard Headlee Community First Bank, Fairview Heights, IL Prairie Community Bank, Marengo, IL, Brian C. DiBona - PDF BB&T Corporation, Kenneth L. Daniels - PDF First State Bank and Trust, L. Kent Needham George Fahey, Haverhill, MA Kent Commerce Bank, Grand Rapids, MI, Mark J. DeWitt - PDF Michele Loghry, Ogden, UT Independent Community Bankers of America, Washington, DC, Karen M. Thomas - PDF 115k Napa Community Bank, Dennis J. Pedisich - PDF John A. DiMichele, West Sacramento, CA Desert Community Bank, Thomas A. Smith Citizens Bank of Higginsport, OH, Robert A. Yeager - PDF Raffaele M. Branca, Staten Island, NY Red Rock Community Bank, Las Vegas, NV, Thomas Mangione - PDF First Cherokee State Bank, Marietta, GA, Michael J. Henderson - PDF 89k Bank of Santa Barbara, Santa Barbara, CA, Andy L. Clark - PDF Deneen Fayette First Carolina State Bank, Timothy Taylor Christina Connelly, Rockport, MA Maria Barkhouse, Rockport, MA Matthew Costello, Rockport, MA Lori Rostkowski, Rockport, MA Risk Management Association, Philadelphia, PA, Maurice H. Hartigan, II - PDF 275k Covenant Bank, Clarksdale, MS, Freddie J. Britt - PDF Ann Arbor Commerce Bank, Ann Arbor, MI, Clifford G. Sheldon - PDF Northwest Georgia Bank, Ringgold, GA, L. Wesley Smith - PDF Alma Exchange Bank, Alma, GA, Rod L. Rentz Virginia Financial Group, Charlottesville, VA, Richard L. Saunders - PDF 238k Peter Anderson, Rockport, MA Renee Rowe, Rockport, MA Gallet Dreyer & Berkey, New York, NY, Jay L. Hack - PDF 461k Boiling Springs Savings Bank, Rutherford, NJ, Robert E. Stillwell - PDF Presidential Bank, FSB, Bethesda, MD, A. Bruce Cleveland - PDF 63k Provident Bank of Maryland, H. Les Patrick - PDF Tennessee Bankers Association, Nashville, TN, Timothy L. Amos - PDF 55k First City Bank, Columbus, OH, Douglas Simson Gloria Anita Baker - PDF 53k First Cherokee State Bank, Woodstock, GA, Spence Hoard - PDF 67k Second Bank & Trust, Culpeper, VA, Christopher J. Honenberger - PDF 60k First National Bank, Staunton, IL, John L. Dorsey - PDF 94k First Community Bank, Hammond, LA, Reggie R. Harper - PDF 75k Bank of Commerce, Tulsa, OK, J. L. Miller - PDF 129k PriorityOne Bank, Magee, MS, Robert J. Barnes - PDF 62k PriorityOne Bank, Magee, MS, Odean Busby - PDF 74k Los Padres Bank, Solvang, CA, Craig J. Cerny - PDF 155k Community Trust Bank, Ruston, LA, Cary S. Davis - PDF 73k Community Trust Bank, West Monroe, LA, Glenn F. Austin - PDF 74k Cherokee Bank, N.A., Canton, GA, Dennis W. Burnette - PDF 71k Commonwealth of Virginia, Bureau of Financial Institutions, E. J. Face, Jr. - PDF82k Patterson State Bank, Patterson, LA, Peter J. Lipari - PDF 74k Department of Banking and Finance, Atlanta, GA, Robert M. Braswell - PDF 82k First Piedmont Bank, Winder, GA, W. H. Whitley - PDF 213k Wainwright Bank, Boston, MA, Steven J. Tromp - PDF 113k Bank of Fall River, Fall River, MA, John H. Clifford - PDF 116k First National Bank, USA, Boutte, LA, H. L. Hollway, Jr. - PDF 91k First National Bank, USA, Boutte, LA, Gary R. Mendoza - PDF 90k First National Bank, USA, Boutte, LA, Brandt J. Dufrene - PDF 92k Franklin Savings Bank, Salem, NJ, Frederick C. Scogno - PDF 80k First International Bank & Trust, Watford City, ND, Stephen L. Stenehjem - PDF 124k Bank of Canton, Canton, MA - PDF 71k Beverly Cooperative Bank, Beverly, MA,William F. Howard - PDF 174k Northmark Bank, North Andover, MA, Jane C. Walsh - PDF 143k Camelback Community Bank, Gail Grace - PDF 113k Ohio Bankers League, Jeffrey D. Quayle - PDF 72k Pennsylvania Bankers Association, Donald E. Abrey - PDF 111k Bramble Savings Bank, Milford, OH, James Wm. Gronefeld - PDF Central Bancompany, Jefferson City, MO, Richard Popp - PDF First National Bank of the Rockies, Grand Junction, CO, Peter Y. Waller - PDF 471k OMNI Bank, Metairie, LA, Elizabeth Hodge Texas Bankers Association, Austin, TX, Frederick M. Smith - PDF 295k Timothy Tracey, Taunton, MA State Bank of Countryside, Countryside, IL, Thomas P. Doyle David Barszca, Belchertown, MA KeyCorp, Cleveland, OH, E. J. Burke - PDF 59k John Russ, Charleston, SC American Bank of Commerce, Patricia J. Kelly Appraisal Institute/American Society of Appraisers/American Society of Farm Managers and Rural Appraisers - PDF Massachusetts Bankers Association, Boston, MA, Jon K. Skarin - PDF Community National Bancorporation, Waterloo, IA, Josef M. Vich - PDF Craig Kaylor, Springfield, MA Robert Michel, Agawam, MA Wainwright Bank & Trust Company, Boston, MA, Kristen E. Stewart Rockport National Bank, Peter A. Anderson Charter Bank, Bellevue, WA, Andrew M. Niemer Hampden Bank, Springfield, MA, Glenn Welch New York Bankers Association, New York, NY, Michael P. Smith - PDF Lowell Co-operative Bank, Richard P. Coughlin - PDF 56k Joanne Hoyt, Springfield, MA Nancy Mirkin, Longmeadow, MA Michelle Cayo, Grandy, MA Glenn McCarthy, Springfield, MA Michael Grandfield, West Springfield, MA Bank of Bellevue, Bellevue, WA, Andrew P. Barlass - PDF Vincent Puccio, Martinsville, VA Kimberly Snyder, Roanoke, VA Richard Donovan, Stoneham, MA Country Club Bank, NA, Paul J. Thompson - PDF Stephen DeCesare, Sharon, MA Janice Sikorski, Chelsea, MA Amy Scribner, Springfield, MA State Bank of Long Island, Jericho, NY, Robert J. Nichols - PDF 70k Robert Massey, Hadley, MA Credit Union National Association, Washington, DC - PDF 1,734k Ann Arbor Commerce Bank, Ann Arbor, MI, Richard G. Dorner - PDF Prairie Community Bank, Marengo, IL, Tim Emerson Founders Community Bank, San Luis Obispo, CA, Thomas J. Sherman Joe Hudson, Eatonton, GA Rockland Trust Co., Rockland, MA, David M. O'Brien - PDF103k American Bank of Commerce, Wolfforth, TX, Tracy A. Riddle Wisconsin Bankers Association, Madison, WI, Kurt R. Bauer - PDF 64k Cathay Bank, Los Angeles, CA, Kim R. Bingham - PDF 68k Glenn Deutsch, Lynnwood, MA Mortgage Bankers Association, Washington, DC, Jonathan L. Kempner - PDF 65k Commerce Bank & Trust, Topeka, KS, Duane L. Fager - PDF Bank of American Fork, American Fork, UT, Robert F. Chatfield - PDF Plumas Bank, Quincy, CA, Douglas N. Biddle - PDF 188k Umpqua Bank, Raymond P. Davis - PDF 96k Progressive Bank, Winnsboro, LA, George W. Cummings - PDF 76k Idaho Banking Co., Boise, ID, Mike Johnston - PDF 81k Asian Bank of Arizona, Phoenix, AZ, Les M. Gin - PDF 112k First Federal Savings Bank, Elizabethtown, KY, B. Keith Johnson - PDF 99k First Federal Savings Bank, Elizabethtown, KY, Anne Moran - PDF 99k First Federal Savings Bank, Elizabethtown, KY, Larry Hawkins - PDF 99k First Federal Savings Bank, Elizabethtown, KY, Charles Chaney - PDF 99k First Federal Savings Bank, Elizabethtown, KY, Gregory Schreacke - PDF 99k Haverhill Bank, Haverhill, MA, Charlene Laprel - PDF 96k Haverhill Bank, Haverhill, MA, Patrick R. Dwyer - PDF 96k Haverhill Bank, Haverhill, MA, Raymond P. Smith - PDF 96k Haverhill Bank, Haverhill, MA, Anita M. Purcell - PDF 96k Haverhill Bank, Haverhill, MA, Thomas R. Faulkner - PDF 96k Haverhill Bank, Haverhill, MA, Maureen M. Stillwell - PDF 96k Candace Gallegos, Immokalee, FL Alliance Bank, Culver City, CA, Curtis S. Reis - PDF 288k Great Western Bank, Watertown, SD, Michael Gough St. Martin Bank & Trust Co., St. Martinville, LA, Clayton J. Dore - PDF 79k St. Martin Bank & Trust Co., St. Martinville, LA, Guy M. Labbe - PDF 79k St. Martin Bank & Trust Co., St. Martinville, LA, Todd A. Nunez - PDF 79k St. Martin Bank & Trust Co., St. Martinville, LA, C. Wade Meaux - PDF 79k St. Martin Bank & Trust Co., St. Martinville, LA, William Melancon, II - PDF 79k St. Martin Bank & Trust Co., St. Martinville, LA, Jane M. Douet - PDF 79k St. Martin Bank & Trust Co., St. Martinville, LA, Paul A. Durand - PDF 79k St. Martin Bank & Trust Co., St. Martinville, LA, Tommy L. Romero - PDF 79k St. Martin Bank & Trust Co., St. Martinville, LA, Matt D. Jeffrey - PDF 79k St. Martin Bank & Trust Co., St. Martinville, LA, Mark A. Berard - PDF 79k St. Martin Bank & Trust Co., St. Martinville, LA, Larry G. Lanclos - PDF 79k First United Bank & Trust, Oakland, MD, William B. Grant - PDF First Cherokee State Bank, Woodstock, GA, Clark Blackwell - PDF 68k NBC, Tulsa, OK, David M. King - PDF 61k Northern California National Bank, Chico, CA, John Lucchesi - PDF 53k Norwood Cooperative Bank, Norwood, MA, John Galvani - PDF 93k Jerry and Glenda Page, Las Vegas, NV - PDF 112k Town & Country Bank, Las Vegas, NV, Philip M. Burns - PDF 199k Chicopee Savings, Chicopee, MA, William J. Wagner - PDF 192k Gloucester Cooperative Bank, Gloucester, MA, Mark E. Grenier - PDF 98k Bank Five, Fall River, MA, Thomas F. Lyons - PDF 92k Manasquan Savings Bank, Manasquan, NJ, Peter M. Brown - PDF 136k Community Bankers Association of Ohio, Columbus, OH, Robert L. Palmer - PDF 114k Security Pacific Bank, Los Angeles, CA, William E. Sinn - PDF 97k Cape Cod Cooperative Bank, Yarmouth Port, MA, Joel Crowell - PDF 106k Delaware Place Bank, Chicago, IL, Theodore J. Aldrich - PDF 65k Affinity Bank, Ventura, CA, David E. Mahan - PDF 69k First Capital Bank, Germantown, TN, R. Kent Davis - PDF 163k Desert Community Bank, Las Vegas, NV, Gerald T. Buttaccio - PDF 109k Bank of Michigan, Farmington Hills, MI, Michael G. Sarafa - PDF 112k Prairie Community Bank, Marengo, IL, Albert G. Hicks - PDF 89k Prairie Community Bank, Marengo, IL, Kimberly A. Meyers - PDF 89k The National Bank, Blacksburg, VA, F. Brad Denardo - PDF 273k Central Bancompany, Jefferson City, MO, Kenneth Littlefield - PDF 177k Sunrise Bank of Atlanta, Charles H. Green - PDF Maria Urdi, Somerset, MA Iberville Bank, Plaquemine, LA, Calvin W. Wilbert, Jr. - PDF 84k Rio Bank, McAllen, TX, A. Ford Sasser, III - PDF 149k First National Bank of the Rockies, Meeker, CO, Braden K. Ross - PDF 164k Prairie Community Bank, Marengo, IL, Harvey A. Myers - PDF 955k Ann Arbor Commerce Bank, Ann Arbor, MI, James L. Jeszke - PDF 112k Yuma Community Bank, Yuma, AZ, John R. Sternitzke - PDF 105k Colorado Bankers Association, Denver, CO, Don A. Childears - PDF 567k Affinity Bank, Ventura, CA, Edward W. Summers - PDF 79k Legacy Bank, Wichita, KS, Frank A. Suellentrop - PDF 69k Environmental Bankers Association, Alexandria, VA, Dean Jeffery Telego - PDF 121k Quantum National Bank, Suwanee, GA, Douglas E. Wren - PDF 90k Arnold Haake, Naples, FL Amelia Carlton, The Villages, FL Brad Weber, Leesburg, FL Vicki Beaudry, Fernandina Beach, FL Bonnie Dennis, Jacksonville, FL K. LeMoine, Jacksonville, FL OptimumBank, Ft. Lauderdale, FL Bank of Wisconsin Dells, Gary L. Gilliland Angela Land, Lake City, FL Robert Tamayo, Miami, FL Nancy Rectenwald, Jacksonville, FL Charles Allcott, Pensacola, FL C. John Stechschulte, Ocala, FL Chris Anderson, Tampa, FL Earl Green, Belleview, FL Paul Miret, Port St. Lucie, FL Mary Cone, Naples, FL Edward Phinney, Belleview, FL Darren Burdette, Bradenton, FL William Esselstyn, Braintree, MA Tiffany Mello, Beverly, MA Keri Frost, Reading, MA Mary Ellen Fraser, Danvers, MA Anne Denaro, Woburn, MA Maureen Safer, Danvers, MA Annette Fecteau, Danvers, MA Laurie Romano, Danvers, MA Marie Bolton, Danvers, MA Norma Taubman, Danvers, MA Sally Rowell, Danvers, MA Mary McLemore, Lynnfield, MA Michael Bullerdick, Port Charlotte, FL Terry Spurlock, Naples, FL Andrea L. Mitchell, Ayer, MA Faye Allman, The Villages, FL CommunitySouth Bank & Trust, Easley, SC - PDF 65k Missouri Bankers Association, Jefferson City, MO, Max Cook - PDF 766k Clearfield Bank & Trust Company, Clearfield, PA, William W. Wood - PDF 799k George M. Longest, Jr. - PDF 86k Citizens State Bank, Waverly, MN, Catherine E. Jackson - PDF 163k Eric Gleaton, Pensacola, FL Stuart Rigdon, Jacksonville, FL Brandy Hunter, FL Arrowhead Community Bank, Glendale, AZ, Amy Lou Blunt - PDF 84k Bankers Bank, Atlanta, GA, Brock E. Fredette - PDF 196k Middleton Community Bank, Middleton, WI, Charles A. Thieme - PDF 55k Cardinal Bank, McLean, VA, Christopher W. Bergstrom - PDF 168k Benchmark Community Bank, Kenbridge, VA, Michael O. Walker - PDF 206k Mary Lou Saez, Immokalee, FL First Merchants Corporation, Muncie, IN, Shawn Blackburn Robert Mays, Immokalee, FL Summit Community Bank, Okemos, MI, Chris Nugent Peoples Bank, Berea, KY, Identical letter submitted by 21 bank officers - PDF 57k Ann Arbor Commerce Bank, Ann Arbor, MI, Mary Hays - PDF 110k Citizens National Bank, Paintsville, KY, Ben D. Tackett - PDF 76k Bank of Benton, Benton, KY, Identical letter submitted by 23 bank officers - PDF Joseph Truskowski, Adams, MA Cumberland Valley National Bank & Trust Company, London, KY, James Tatum - PDF 97k
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FDIC Federal Register Citations

2006