A Message From The Chairman:

Dear VACB Members: I would like to believe that my view of community banking is not much different than the one shared by most community bankers throughout Virginia. Community banks are the backbone and economic catalysts of the communities we serve and we cannot allow the regulatory and congressional challenges being thrown our way to cloud or minimize our importance. Nor can we allow these challenges to destroy our desire to not only survive, but to thrive. Our customers, our employees and our shareholders are all relying on us to provide the leadership and strategic direction to present a strong and common message that emphasizes the value community banks add to our quality of life. By joining forces through the Virginia Association of Community Banks and utilizing the talent and experience that Pat and her staff possess, our collective voice will continue to be heard and we will continue to make a difference. We should also wholeheartedly support the ICBAâs call to action urging consumers and small businesses to "Go local by banking locally with your community bank." Now is the perfect time to "go local" as consumers and businesses alike will realize the many benefits that come with banking with a community bank, such as a relationship-based banking experience, superior customer service and the pride that comes with reinvesting in one's community. There are distinct and significant differences between the large banks and community banks and we should look to promote and take advantage of these differentiations. I consider it a distinct honor to have the opportunity to serve as your chairman for 2012. My commitment to Pat, her staff and the membership is to tell our story with passion and conviction. Our communities deserve and critically need our unending support. There is no better time than now to take full advantage of what this association can deliver in terms of benefits to its members. Sincerely, Ellis L. Gutshall 2012 VACB Chairman