JUNEőł Vol. 69, Issue 6 From left: Pennsylvania community bankers Christopher Grace, Alyssa Bodenschatz, Carrie Ehrgood 30 40 Under 40 Indendepent Banker's list of 40 emerging community bank leaders under the age of 40 reveals who is making waves in the industry while keeping their community front and center. Meet the future of the community banking industry features 44 How to build the board your bank needs Board succession planning is important for all banks, but for larger banks, it can be an even more complicated task. Here's how to do it 50 What's next for fintech? ICBA's ThinkTECH Accelerator finalists share their predictions on what's happening at the intersection of community banking and fintech Cover: Ryan Smith independentbanker.org Q 1http://www.independentbanker.org