Pub. 1 2019 Issue 11

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 3 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 is 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 2 A Word from PACB’s Chairman 3 From the President/CEO’s Desk 4 PACB 2019-2020 Board 6 First United National Bank — The FUN Bank: It’s All About Being Real 10 #DifferenceMakers: Picnic Recap 12 Hometown Champions: F&M Trust 16 Travelers: PACB Services Preferred Service Provider 17 News from Your Hometown 18 Growing the Next Generation of Community Bankers 20 Effective Community Bank Advocacy Tool: Writing an Op-Ed 22 2,000 Consumers Told Us Their Worst Cybersecurity Fears: Here’s What You Can Do to Help Your Customers Conquer Their Concerns 24 You Want to Grow? It’s the Little Things That Matter! 26 A Win for Community Banks: New Federal Reserve Payment System Set To Launch by 2024