Pub. 13 2024 Issue 3

As this year progresses, I have an increased enthusiasm for the future of community banking in our wonderful Commonwealth and for the Virginia Association of Community Banks. While the last 18 months have been a very challenging time for community banking, we now see a light at the end of the tunnel. This is good news for our communities, our customers, our employees and our shareholders. And what we all recognize is that community banking is needed now more than ever in our history.