BANCSERVE PRESS...key leadership roles in banks across the country. Premier instructors and cutting-edge curriculum offer practical answers to today’s most critical banking dilemmas

BANCSERVE PRESSMONTANA BANKERS

ASSOCIATION OFFICERS

Chairman: Bruce Glennie, Eastern Montana Business Banking Manager Wells Fargo, N.A. Billings, MT

President/CEO:Steve Turkiewicz, CAEHelena, MT

Vice Chairman:Sam Waters, President/CEO First Community Bank Glasgow, MT

Secretary/Treasurer:Rex Phipps, CEOGarfield County BankJordan, MT

Immediate Past Chairman:Kevin P. Clark, VP First Interstate Bank Great Falls, MT

BOARD OF DIRECTORSWestern:

Tom Swenson, President/CEOBank of Montana Missoula, MT

Southwestern:

Tim Combs, PresidentFirst Madison Valley BankEnnis, MT

Robert DeWit, PresidentManhattan State BankManhattan, MT

Northcentral:

Ron Young, Branch PresidentFirst Security BankFort Benton, MT

Bruce Hoyer, President/CEOBelt Valley BankBelt, MT

Southcentral:

Jay Harris, PresidentYellowstone BankLaurel, MT

Josh Webber, PresidentFarmers State Bank of Denton Denton, MT

Andy Rio, President/CEOLittle Horn State BankBillings, MT

Visit us on the web at www.montanabankers.com Or call: 800/541-5126

January 20, 2016

Inside this Issue

Montana’s Hometown Bankers cont. Pg. 2

PCBS and MBA Rise Above the Rest Scholarship Pg. 2-3

The Future is N.O.W 2016 Montana Notary Conference Pg. 3-4

Winners of the Montana Financial Scholars Program Blog Contest

Pg. 4-5

ABA, Trade Groups Concerned on Proposed FHFA Data Collection

Pg. 5

ABA National Conference for Community Bankers Pg. 6

Compliance Alliance - Question of the Month Pg.6

2015 MBA Conferences and Workshops Pg. 7

2016 Annual Conference Pg. 7

MBA Web Seminar Education Program Pg. 7

MBA Spotlights an Endorsed Product Pg. 8

Upcoming Events Pg. 8

Banks and Personnel Pg.9Continue on page 2.

Helping Montanans Understand the Values and the Value of Montana’s Hometown Bankers

“We are Montana’s hometown bankers!” exclaimed dozens of Montana Bankers Association (MBA) members from the steps of an outdoor atrium in Helena’s Great Northern Town Center. As bankers repeated their mantra several times into a video camera circled by a cinematographer and production crew, people passing by smiled curiously, clearly wondering what these folks were up to.

Now, Montanans who watch television and use social media outlets are learning from those Montana hometown bankers more about the answer.

In January 2016, the Montana Bankers Association launched its Montana Hometown Bankers public affairs initiative, leveraging the ongoing Banking on Montanans on-line presence (www.bankingonmontanans.com) and this new television advertisement. The thirty-second spot features Montana business owners, home owners, an educator and the Chair of the Montana Chamber of Commerce, all highlighting the special role that Montana hometown bankers have played in helping them achieve success. Highlighted as

January 20, 2016 BANCSERVE PRESS Page 2

Or call: 800/541-5126Visit us on the web at www.montanabankers.com

BOARD OF DIRECTORSNortheastern:

Rich Kingsley, President/CEOValley BankGlasgow, MT

Bob Galt, President/CEOFirst State Bank of MaltaMalta, MT

Southeastern:

Rex Phipps, CEOGarfield County BankJordan, MT

Large Banks:

Scott Burke, President/CEOFirst Security BankMissoula, MT

Bruce Glennie, Eastern MT Business Banking ManagerWells Fargo, N.A. Billings, MT

Butch Bratsky, Sr. Banking Exec., Stockman Bank of Montana Miles City, MT

Bill Lucas, Area Market PresidentU.S. BankBillings, MT

Bill Toner, EP/Cash Mgmt. OfficerFirst Interstate BancSystem, Inc.Billings, MT

BANCSERVE BOARDChairman:Bruce Glennie, Eastern Montana Business Banking Manager Wells Fargo, N.A. Billings, MT

President/CEO:Steve Turkiewicz, CAEHelena, MT

Secretary/Treasurer:Amy Jenks, CIC, CISRVice President of OperationsHelena, MT

Director:Steve Wheeler, EVP, COOFirst Security BankBozeman, MT

Director:Mike Grove, PresidentBank of the Rockies, N.A.White Sulphur Springs, MT

Director:Darrell Grogan, PresidentFirst State Bank of ForsythForsyth, MT

Continued from page 1.

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well are a diverse group of Montana hometown bankers from throughout Montana, emphasizing the significant statewide, powerful, positive impact MBA member banks play as leaders in their communities and throughout Montana.

“Whether it be the MBA Montana financial literacy program, Montana Financial Scholars, or the diverse services offered by Montana hometown bankers, this advertising campaign and our on-line education efforts help people better understand what motivates people who work in our industry,” said MBA Chairman Bruce Glennie-Wells Fargo Bank. “Having real customers,who are the beneficiaries of the efforts of Montana hometown bankers is a great way to help people better understand the value we bring to communities across the state.”

Produced with the support of the MBA membership and a grant from the Financial Education and Advocacy Initiative (FEAI) of the American Bankers Association, this multi-channel media outreach initiative is ongoing and includes thousands of placements on television, radio and social media throughout 2016.

“We are telling our customers and communities about Montana’s dedicated hometown bankers and our eagerness to help Montanan’s dreams come true,” said MBA Secretary Rex Phipps - Garfield County Bank, “Proactive, positive and active education in our communities is important, as we break through the cynicism and mistrust that is misleading and often inaccurate information about Montana’s banks and our industry are thrust into the media. We are not just sitting back. We are advocating for our communities, our customers, our employees and Montanans’ hometown banking industry.”

View the new advertising campaign at www.bankingonmontanans.com.

PACIFIC COAST BANKING SCHOOL and MONTANA BANKERS ASSOCIATION ‘RISE ABOVE THE REST’ SCHOLARSHIP

To better educate our high-potential leaders in banking and to provide Montana banks with a valuable professional development opportunity, Pacific Coast Banking School partners with Montana Bankers Association (MBA) to offer a tuition scholarship for the 2016 Resident Session of Pacific Coast Banking School (PCBS).Here is a list of previous year’s recipients:2015 Allison Johnston, First Interstate BancSystems in Billings, MT.2014 Matt Tedesco, Bank of the Rockies in Helena, MT.2013 Terry Mentzer, Granite Mountain Bank, Phillipsburg, MT.2012 Pierre Kaptanian, First Montana Bank, Kalispell, MT.2011 Larry Williams, Opportunity Bank, Helena, MT.2010 Jolene Barcus, Big Sky Western Bank, Bozeman, MT.2009 Karl Drga, First Interstate Bank, Miles City, MT.

BANCSERVE PRESS

ABA DELEGATES

Governement Relations Council: Don Bennett, President/CEO Freedom BankColumbia Falls, MT

Community Bankers Council: Bruce Gerlach, CEO First Security Bank

Bozeman, MT

Conference of State Associations:Bruce Glennie, Eastern Montana Business Banking Manager Wells Fargo, N.A. Billings, MT

Grassroots Administrative Committee:Wayne Hirsch, Division ManagerUS BankBillings, MT

Taxation Admin. CommitteeMarcy D. Mutch, Corp. Tax Mng.First Interstate BancSystem, Inc.Billings, MT

STATE BANKERS ASSOCIATION GROUP

BENEFITS TRUST BOARD OF TRUSTEES

(Serving MT & WY)Chair: Jay Hammond, PresidentLusk State Bank Lusk, WY

Bart Langemeier, PresidentFirst Bank of BridgerBridger, MT

John RonnebergCitizens Bank and Trust Co.Big Timber, MT

Kim Brooks, Controller/HR Off.First Community Bank Glasgow, MT

Cynthia Cheney, VP of HRFirst Security Bank Bozeman, MT

Brad Franklin, PresidentYellowstone Bank Sidney, MT

Richard Myers, CFO/CCOFirst Northern Bank of WyomingBuffalo, WY

Jim Durfee, President/CEOSundance State BankSundance, WY

Gordon P. Johnson, PresidentAmerican BankBozeman, MT

January 20, 2016 Page 3


STATE BANKERS ASSOCIATION GROUP BENEFITS TRUST


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THE PCBS PROGRAMSince 1938, Pacific Coast Banking School, in partnership with the Foster School of Business at the University of Washington, has offered a premier three year graduate-level leadership and financial management education program focused on the banking industry. The PCBS family includes over 10,000 bankers, with hundreds currently in key leadership roles in banks across the country. Premier instructors and cutting-edge curriculum offer practical answers to today’s most critical banking dilemmas faced by bankers from all aspects of banking and all sizes of banks.SCHOLARSHIP SESSIONStudents enroll in a three year program, which includes a two-week resident session each August for three years held on the University of Washington campus. The 2016 session dates are August 21st through September 2nd.THE PROCESSTuition before the scholarship is applied is $4,970, which includes a non-refundable registration fee of $295, single room accommodations, meals and classes, along with administrative and faculty support for intersession work. The scholarship amount is $1,300 and is applicable to the first-year 2016 PCBS tuition only. The scholarship recipient is responsible for the $3,670 tuition balance.The deadline for submitting scholarship applications to the MBA is May 1, 2016. Nominees must also submit a PCBS application. Qualifying applications will be forwarded to the Scholarship Review Committee, and nominees will be informed of the Committee’s decision by May 16, 2016.

CANDIDATE PRE-REQUISITESThe scholarship nominee must complete:1 – The PCBS 2015 Session Application2 – The PCBS/ MBA Scholarship ApplicationThese forms must be submitted by May 1, 2016. Application forms are inserted or available at thepcbs.org.

Are you and your staff up on the new notary laws and rules? More importantly - could your loan officers be breaking the law because they don’t know or understand the

notary laws and rules? Montana Secretary of State Linda McCulloch’s office recently shared that one of the most common notary law violations made by bank officials, who are also notaries public, is signing a document (loan agreement, modification of deed, etc.) on behalf of the institution and then notarizing the signature of the customer on that same document. The Secretary of State’s office notes that such actions are usually unintentional, but are nonetheless serious violations that could result in regulatory

BANCSERVE/HEALTHSERVE STAFF

Government Relations: Steve Turkiewicz, CAE President/CEO

Education & Member Services:Pam O’Reilly Association Services Director

HealthServe:

Jill Martin, CISRInsurance Service Rep.

Deannie Higgins, CISRInsurance Service Rep.

Hannah Parrish, CISRInsurance Service Rep.

Kayla Johnson, CISRInsurance Service Rep.

Amy MillerAdministrative Assistant

BANCSERVE Insurance Agency:Tempi Ruth, CIC, CAE, CISRSales Director

Bookkeeping:Karmen MillhouseAccounting Technician

MBA Information:Elizabeth ZimmermanAdministrative Assistant

MBA/BANCSERVE, Inc.1 N. Last Chance Gulch, Ste.4Helena, MT 59601Telephone:800/541-5126406/443-4121Fax: 406/443-7850

HealthServe1 N. Last Chance Gulch, Ste.4Helena, MT 59601Telephone:877/443-0520406/443-0520Fax: 406/495-2674www.healthserve.info

BANCSERVE PRESSJanuary 20, 2016 Page 4


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Montana Bankers Association Announces the Winners of the Montana Financial

Scholars Program Blog Contest William Ewing from Lima High School is the first place winner of the 2015 Montana Financial Scholars Program Blog Contest, with Janessa Haynie and Jaqcee Huseby, both from Circle High School in 2nd and 3rd Place respectively.

The Montana Bankers Financial Scholars Program is sponsored by the member banks of the Montana Bankers Association (MBA) and is implemented by EverFi, Inc. Lima High School’s program is sponsored by Pioneer Federal Savings & Loan. Circle High School received it’s sponsorship from Garfield County Bank. The program offers over eight hours of programming aimed at certifying students in a variety of financial topics including credit scores, insurance, credit cards, student loans, mortgages, taxes, stocks, savings, 401k’s and other critical concepts that map to national financial literacy standards. Once completed, graduates of the program receive a certificate of achievement and will benefit for life from the important life and financial skills taught in the program.

As part of this program, the MBA and EverFi started this blog contest in 2014, encouraging Montana Financial Scholars Program participants to write and publish blogs

penalties or other legal consequences.

While the violation described above is not new, the 2015 Montana Legislature enacted a major revision of Montana notary statutes that all MBA members need to be aware of in order to assure compliance. Among the changes are the enabling of eNotarization and Remote Notarization – two responses to the evolution of technology in the financial industry. Other changes involve revisions to the qualifications and the application process to become a Montana notary public, including the fact that new notary applicants must pass an examination before appointment. The new law also contains new journal requirements, changes in the allowable fees that notaries may charge, and various advertising requirements and prohibitions. The notary laws are now consolidated in Title 1, Chapter 5, Part 6 of the Montana Code Annotated. The new rules can be found in Title 44, Chapter 15 of the Administrative Rules of Montana.

The Montana Bankers Association will be a sponsor of the 2016 Montana Notary Conference – “The Future Is N.O.W.” hosted by Secretary of State Linda McCulloch. The Conference will be held on May 12 – 13, 2016 at the Heritage Inn in Great Falls. Notary experts will present over 50 hours of workshops, seminars, and panel discussions over the two-day event, and industry professionals will provide hands-on demonstrations of eNotarization and Remote Notarization technologies. This is a timely educational opportunity for Montana’s notaries public, and MBA members are encouraged to send representatives to attend the conference.

Visit sos.mt.gov/notary for more information on notary statutes, rules, upcoming trainings and to register for the 2016 Notary Conference.

BANCSERVE PRESS Page 5


January 20, 2016

ABA, Trade Groups Concerned about Proposed FHFA Data CollectionABA and several other trade associations expressed concern over the Federal Housing Finance Agency’s proposed collection of information for its National Mortgage Database, which would include detailed data from more than 10 million borrowers. The letter warned that the scope of information being collected, along with the lack of clarity on which agencies would have access to the data, pose risks to consumer privacy.

Under the FHFA’s proposal, data from the National Survey of Existing Mortgage Borrowers — an extensive, 80-85 question survey — would be used to populate the database with consumer mortgage information including names, social security numbers and property-specific information. The FHFA and Consumer Financial Protection Bureau have yet to establish policies on who would have access to the database.

The trade associations expressed concerns that the data could be used to identify individual borrowers, and that consumer privacy could be at risk in the event of a data breach. They also pointed out that much of the data the survey would collect is already being gathered by other agencies and urged the FHFA to review existing data collection efforts to identify redundancies.

ABA Daily NewsbyteJanuary 12, 2016

that may help inspire other students and their parents or caregivers to get involved in the program. A $500 scholarship, supported by EverFi, is awarded to each blog winner.

“I make about 200 dollars a week, so 50 dollars of it goes to gas and auto maintenance, 30 dollars go to extra clothing, the final 20 dollars go to the family savings jar. I am thankful for doing this program; it has helped my family and me extremely by getting us out of debt and on a right budget system,” wrote 1st place winner, William Ewing, of Lima High School.

“The future can sometimes be a scary thought. Some people try to avoid it, and others head into it straight on without ever learning how to financially prepare themselves for their future. Most people don’t realize until they go to college that to make money, you have to spend money. That is why it is so important that people know how to both save and spend their money, and with this course I learned how to prepare myself financially for my future,” wrote 2nd place winner, Janessa Haynie, of Circle High School.

“… having a better idea on how to manage money will take me farther in college and my career later. Along with planning for my future through college and my career it will also help me with my dream of traveling. Traveling along with college, career, and whatever else you want to buy comes with financial debt,” wrote 3rd place winner, Jaqcee Huseby, of Circle High School.

Since the beginning of the academic school year of 2014, the Montana Financial Scholars Program has sponsored this blog contest, asking for submissions from program participants, telling their individual stories about financial literacy and the challenges they face. Each year, more than 50 Montana students submitted a blog throughout the competition, all of whom will be recognized for their effort.

The winning blogs can be read in full at the MBA’s Banking on Montana’s website – www.bankingonmontanans.com and social media outlets. EverFi will publish the winning blogs as well.

Bankers interested in learning more about how to get involved in the Montana Financial Scholarship Program should contact Pam O’Reilly of the MBA at 406.441.4703 or send an email to [email protected].




Question: In determining whether or not Saturday is a business day for us, for TRID purposes, what does it mean “to be open for substantially all business functions”?

Answer: The TRID rule did not change the definition of business day under Regulation Z. The definition for the term “business day” is found in 12 CFR 1026.2(a)(6). Outside of a few exceptions, a business day means:

a day on which the creditor’s offices are open to the public for carrying on substantially all of its business functions

The Commentary to this section provides for a “business function test” and it states:

Activities that indicate that the creditor is open for substantially all of its business functions include the availability of personnel to make loan disbursements, to open new accounts, and to handle credit transaction inquiries. Activities that indicate that the creditor is not open for substantially all of its business functions include a retailer’s merely accepting credit cards for purchases or a bank’s having its customer-service windows open only for limited purposes such as deposits and withdrawals, bill paying, and related services.

Ultimately each bank will need to determine independently whether or not a particular day is a “business day”. Again, note that TRID does not alter the current definition of “business day”. That being said, if you currently treat Saturday as a business day, you would most likely continue to do so under the TRID rule unless the availability of services has changed. Also, if you haven’t done so, be sure to document in your policies and procedures the days that you consider to be business days for purposes of disclosure delivery.

For More Information on MBA’s Compliance Alliance Program, contact Pam O’Reilly at [email protected]

Compliance Alliance Question of the Month

BREAKINGBOUNDARIESFebruary 14–17, 2016JW Marriott Desert Springs Resort and SpaPalm Desert, California

NCCB 16ABA National Conferencefor Community Bankers

To serve today’s customers and communities, banks must reach further than ever before.

Join ABA and bankers from across America as we explore what it takes to grow beyond our boundaries and into the new definition of community.

Register at aba.com/NCCB



MBA Education Program Web Seminars The Montana Bankers Association is providing live web seminars targeted to a more advanced audience, in addition to new programs for previous participants. If you are looking to supplement your current education plan or trying to save on expenses, what better way to obtain both high quality education and save money?

MBA continues to support Montana bankers in dealing with an ever challenging business environment by providing a multitude of educational opportunities. Whether it be expanded live seminars and conferences, to our two webinar providers, Omnovia and Total Training Solutions, we look to provide a wide variety of

options and pricing to meet the needs of all bankers (large and small) for education and training.So please, take some time and look at the offerings and if you are looking for something in particular and don’t

see it – give us a call and we’ll see what we can do. Again, we value our members and are here to serve. For more details on each webinar please go to our website and view either our Calendar or Education page at www.montanabankers.com to see what we have to offer! Contact Pam O’Reilly, Association Services

Director, at 800/541-5126 or [email protected]

2016 MBA Conferences and Workshops

q Basic Personal & Business Tax Return Analysis - Feb. 4 (Billings) & Feb. 5 (Missoula)q Cash Flow with Jeffery Johnson - Bozeman, February 18-19q IRA Basics & Update – Hilton Garden Inn, Billings, March 2-3 q BSA/AML for Tellers - March 7-10 in 4 Locations! (Sidney, Bozeman, Missoula, Helena)q 2016 MBA Ag Bankers Conference – Best Western Plus Gran Tree, Bozeman, March 24-25q 7 Habits of an Effective Loan Write-Up – Best Western Plus Gran Tree, Bozeman, April 13-15q Negotiation Skill Building to Improve the Banks’ Business Development Efforts – Best Western Plus Gran Tree, Bozeman, April 21q How to Craft an Effective Loan Write-Up – Best Western Plus Gran Tree, Bozeman, April 22Watch for our next set of Conferences and Workshops coming up in Spring 2016 at www.montanabankers.com or more for information contact Pam O’Reilly, Association Services Director, at 800/541-5126 or [email protected].

Mark Your Calendars for the 2016 Montana & Wyoming

Bankers Summit!!!

June 19-21, 2016

Big Sky Resort, Big Sky, MT


Upcoming Events


National Conference for Community BankersFebruary 14-17, 2016

Palm Desert, CA

ABA Emerging Leaders ForumMarch 14, 2016

Washington Marriott Marquis, Washington D.C.

ABA 2016 Government RelationsMarch 14-16, 2016

Washington Marriott Marquis, Washington D.C.

ABA 2016 Regulatory Compliance ConferenceJune 12-15, 2016

Manchester Grand Hyatt Hotel, San Diego, CA

Basic Personal & Business Tax Return AnalysisFeb. 4 & 5

Billings and Missoula

Cash Flow with Jeffery JohnsonFeb. 18-19Bozeman

IRA Basics & UpdateMarch 2-3

Hilton Garden Inn, Billings

BSA/AML for TellersMarch 7-10

4 Locations - Sidney, Bozeman, Missoula, Helena

2016 Ag Bankers ConferenceMarch 24-25

Best Western GranTree, Bozeman

BSA/AMLMay 10

Best Western GranTree, Bozeman

Upcoming Events

Montana Bankers Association Spotlights an

Endorsed Product

Contact Doug Hartzheim, Partner at BFS to find out what they can do for you!

BFS Group - WestPO Box 11505Bozeman, MT 59719406-587-2066


Or call: 800/541-5126

Banks and PersonnelBig Sky• Big Sky Western Bank is happy to announce the

promotion of Brett Evertz to Assistant Vice President. Brett has been work the bank for just over two years. He has been one of the top mortgage loan producers since he began working and consistently receives praises for his diligent follow through and customer service levels.

Billings• Aaron Fauth joined Western Security Bank as a Credit

Analyst. Fauth transferred from Mountain West Bank, a division of Glacier Bank in Couer d’Alene, ID.

• First Interstate Bank congratulates Twilla Morgan as the new Customer Service Manager. She started at First Interstate Bank in 1997 and was Teller Manager at the Downtown location.

• Brittany Cremer joined First Interstate Bank’s Marketing Department as Advertising Manager. Previously, she was senior editor of Magic Magazine, editor of Big Sky Bride Magazine and part or the marketing and niche publications team at Billings Gazette Communicators.

• First Interstate Bank congratulates David Fenno on his promotion to Assistant Vice President and Commercial Banker. He has 12 years of experience in the financial industry and joined the bank in 2010

• Tom Scott, Chairman of First Interstate BancSystem Inc., retired as bank director on January 21st, ending nearly a half-century of service. Tom started as director in 1971 and has served as Chairman since 2004. He also served as CEO of the company. Taking his place as Chairman will be Tom’s brother Jim Scott, who is currently the Executive Vice Chairman.

Bozeman• Big Sky Western Bank is pleased to announce the

promotion of Connie Thomas to Senior Vice President. Connie has been with the bank since 2001 and has held several positions, including Loan Processor and Commercial Lender. She also serves as the bank’s Credit Administrator and CRA Coordinator.

• Big Sky Western Bank was awarded First Place in Bozeman’s Choice for both “Choice Bank/Credit Union” and “Choice Employer.” Congratulations to all its employees on their hard work and dedication!

Hardin• Members of the Big Horn 89ers 4H Club created a display

in the window of First Interstate Bank. The club was recipient of the bank’s Herdsmanship award. The bank also sponsored the $100 TR Powers Scholarship, which was awarded to 10 year old Aubrey Nedens based on her completion of projects and scrapbook of accomplishments in 2015.

• Food baskets designed at First Interstate Bank raised $330 at a live auction fundraiser for the Helping Hands Food Bank. Employees Sandy Struck, Tamara Haug, Kim Leseberg and Debbey Warren, designed both an Apple Cider treat basket and a Gourmet Chocolate Drink basket to warm the heart as cooler weather settled in. The bank also participated as a drop-off site for non-perishable food donations to the food bank.

• A $5,000 donation was made to the Big Horn County Council on Aging from First Interstate BancSystem Foundation grant. The bank provides monthly birthday lunches at the Hardin and Lodge Grass Senior Citizen Centers. The staff volunteers to serve the meal on those days as well. The local IGA also gathered $311 in donations for Meals on Wheels when First Interstate approached them to participate in a check out option at the store.

• First Interstate Bank supported a silent auction to benefit the activity fund for the local nursing home and assisted living facility. Wreaths and table decorations were on display in the bank’s main lobby. Sandy Struck, Personal Banker, created two wreaths for the event. Over $500 was raised and the First Interstate Bank staff donated $170 as a volunteer match.

Livingston• The Gardiner Chamber of Commerce would like to

extend its thanks to First Interstate Bank, including Bank President Joe Hanser for the $100,000 grant that was awarded to the Chamber of Commerce to be used as matching funds necessary to qualify for the Tourism Infrastructure Improvement Grant.

Townsend• John Rauser was promoted to Vice President at State

Bank of Townsend. He joined the bank in 2000 as a loan officer. Rauser will oversee consumer, commercial and ag loans.

Victor• After 44 years of dedication to the banking industry,

Jim Tadvick retires as CEO from Farmers State Bank. Jim was deeply involved with the growth and change in the bank over the years. He helped open multiple Farmer State Bank branch banks, beginning with one in Florence, which was Montana’s first state chartered branch bank in 1990.

Visit us on the web at www.montanabankers.com

The Montana Bankers Association commends all of our bankers and associate members for their achievements. If your bank has a promotion, retiree, special event, fundraiser or any

newsworthy item, please let us know. You may contact Elizabeth at 800/541-5126 or e-mail [email protected].

Documents

BANCSERVE PRESS...key leadership roles in banks across the country. Premier instructors and cutting-edge curriculum offer practical answers to today’s most critical banking dilemmas