Pub. 1 2019 Issue 10

HOMETOWN BANKER | HOMETOWNBANKER.ORG | 1 PACB HEADQUARTERS 3211 N. Front Street, Suite 102 Harrisburg, PA 17110 2019-2020 EXECUTIVE COMMITTEE Chairman Jon P. Conklin Woodlands Bank Chair Elect Lori A. Cestra Enterprise Bank Vice Chairman Roger A. Zacharia Ambler Savings Bank Secretary/Treasurer Timothy P. Snyder Fleetwood Bank President/CEO Kevin L. Shivers PACB Immediate Past Chairman Troy M. Campbell Altoona First Savings Bank PACB STAFF President/CEO Kevin L. Shivers SVP Strategy and Operations Barbara W. Holbert Communications Director Eric A. Kovac Comptroller Patricia L. Kuharic Director of Government Relations Allison L. Coccia Executive Administrative Assistant Evelyn M. Sponsler Executive Assistant to the President Jena I. Wolgemuth BUSINESS HOURS 8:30 a.m.-5:00 p.m. Monday through Friday Telephone: 717.231.7447 STANDING COMMITTEES CHAIRS AND VICE CHAIRS Education Edward Martel Jonestown Bank and Trust Co. Wendy Nagle PennCrest BANK Finance and Budget Timothy P. Snyder Fleetwood Bank FIRSTPAC George M. Evans InFirst Bank Chuck Leyh Enterprise Bank Legislative Craig A. Zurn Jim Thorpe Neighborhood Bank Sidney O. Smith Port Richmond Savings PACB Foundation Dennis D. Cirucci Alliance Bank (Retired) Andrew W. Hasley Standard Bank, PaSB Patrick O’Brien Community Bank Thomas Ondek Sewickley Savings Bank PACB SOCIAL MEDIA Twitter: @PaCommBankers Facebook: @PaCommBankers Instagram: @PaCommBankers LinkedIn: PACB – Pennsylvania Association of Community Bankers YouTube: PaCommunityBankers Flickr: PaCommunityBankers ADVERTISING SALES To advertise in Hometown Banker , please contact Heather Wolsey at The newsLINKGroup, or 801.676.9722 6 10 ©2019 Pennsylvania Association of Community Bankers (PACB) | The newsLINK Group, LLC. All rights reserved. The Hometown Banker is published 12 times each year by The newsLINK Group, LLC for the PACB and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. 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 circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of the PACB, 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 Hometown Banker i s a collective work, and as such, some articles are submitted by authors who are independent of the PACB. While the Hometown 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. Member and Associate Member subscriptions, $60 per year. All other subscriptions, $84 per year. Please send address changes to PACB, Attention: Hometown Banker, 2405 North Front Street, Harrisburg, PA 17110-5319. 2 A Word from PACB’s Chairman 3 From the President/CEO’s Desk 4 News from Your Hometown 6 Mid Penn Bank’s Smash Factor: Annual Celebrity Golf Tournament Raises $200,000 for Breast Cancer Charities 10 #DifferenceMakers: Dawn Spahr, Assistant Vice President Community Relations Officer and CRA Officer 13 Hometown Champions: Clarion County Community Bank 16 Preferred Provider of the Month: S.R. Snodgrass, P.C. 17 The State of the U.S. Trademark System: Tidying Up the USPTO Trademark Registry 18 Why Bonds Are Riddles, Enigmas and Other Investment Mysteries 20 Don’t Get Left on the Sidelines: Aligning Marketing and Execution 22 Advocating for a Nondiscriminatory Payments System