contents COVER STORY 46 Features MEET THE MILLENNIALS ICBA chairman Scott Heitkamp, chairman-elect Tim Zimmerman and immediate past chairman Rebeca Romero Rainey ICBA LEADERSHIP 38AT YOUR SERVICE The 2017-18 ICBA executive committee members are setting their sights high, ready to do their part for community banks Leading Voices 7 From the Chairman 9 Fine Points With Interest 12 Around the Industry 16 By the Numbers 18 Main Street Focus Gorham Savings Bank's interactive teller machines connect with customers and cut costs 22 22 Indie Banker Rick Beall's family and Peoples State Bank have been helping the community grow for generations 2 ICBA IndependentBanker April 2017 18 46 Part II: What they (don't) want in a bank Millennials value authenticity and convenience. How can community banks meet their needs? COMMUNITY BANKING MONTH 52 Where the heart is When asked what they love about their jobs, community bankers say it's about more than the loans April 2017