Pub. 1 2019 Issue 7

HOMETOWN BANKER | HOMETOWNBANKER.ORG | 1 PACB HEADQUARTERS 3211 N. Front Street, Suite 102 Harrisburg, PA 17110 2018-2019 EXECUTIVE COMMITTEE Chairman Troy M. Campbell Altoona First Savings Bank Chairman Elect Jon P. Conklin Woodlands Bank Vice Chair Lori A. Cestra Enterprise Bank Secretary/Treasurer Roger A. Zacharia Ambler Savings Bank President/CEO Kevin L. Shivers PACB Immediate Past Chairman Troy A. Peters Jonestown Bank & Trust Co. PACB STAFF President/CEO Kevin L. Shivers SVP Strategy & 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 & VICE CHAIRS Education Edward Martel, Jonestown Bank & Trust Co. Wendy Nagle, PennCrest BANK Finance & Budget Roger A. Zacharia, Ambler Savings 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 Mark Glade at The newsLINK Group, Inc. at or 801-676-9722 3 A Word from PACB’s Chairman 4 From the President/CEO’s Desk 6 Making an Impact: F&M Trust’s Community Investment Committee 8 Pennsylvania’s Community Bankers “Inform, Impact & Inspire” Re-Cap of ICBA’s 2019 Capital Summit 10 #DifferenceMakers Picnic Recap 12 #DifferenceMakers: Meghan Heebner 14 Hometown Champions: Mid Penn Bank 17 Qualified Retirement Plan Solutions 18 Consider This Your Notice! What Your Community Bank Needs to Know About Acquisitions in the Marketplace 19 PACB Welcomes Our New Associate Members 20 Open to Innovation Flexibility at the Core 21 News from Your Hometown 23 Convention 2019 Preview 24 Little Things Matter 25 Pennsylvania’s New Cyber Security Landscape 26 Diversity and the Board Evaluation Process 27 Convention 2019 Agenda 28 Increasing Fee Income Without Raising Fees 30 Developing a Recruitment Pipline 31 2019 Convention Exhibitiors & Sponsors 32 Essentials of High-Performance Investing: Minor Differences Can Mean Significant Improvement 34 How to Make Sure Your Marketing Plan Doesn’t Stink 35 Convention 2019’s Special Activities 36 We Need to Change How We Make Commercial Loans 8 23 ©2019 Pennsylvania Association of Community Bankers (PACB) | The newsLINK Group, LLC. All rights reserved. The Hometown Banker is published twelve times each year by The newsLINK Group, LLC for the Pennsylvania Association of Community Bankers (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 Pennsylvania Association of Community Bankers (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 that are independent of the Pennsylvania Association of Community Bankers (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 & 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, Pennsylvania 17110-5319.