Bill Loving Chairman of ICBA Consolidated Holdings President and CEO, Pendleton Community Bank, Harrisonburg, Va. Timothy K. Zimmerman ICBA immediate past chairman CEO, Standard Bank, Monroeville, Pa. R. Scott Heitkamp ICBA past chairman President and CEO, ValueBank Texas, Corpus Christi, Texas independentbanker.org Q 53http://www.independentbanker.org