Spilman Thomas & Battle
Issue 1, 2014
Community Banking Excellence
Executive Editor Timothy R. Moore    |    336.631.1059    |    tmoore@spilmanlaw.com
Another Perspective
Josh Householder
Vice President and Commercial Loan Officer
Bank of Charles Town

The Bank of Charles Town (BCT) is a community bank offering credit, deposit, investment and trust services to customers from five convenient locations in the eastern panhandle of West Virginia and one in Hagerstown, Md. BCT also operates a mortgage and commercial loan office in Middleburg, Va. 

From the Editor
A welcome message from our executive editor, Timothy R. Moore.
Important New Guidance for Financial Institutions Using Social Media - by R. Scott Adams
The Impact of Two Recent Bankruptcy Decisions On Determining Foreclosure Sale Bids - by Casey H. Howard 
How Dodd-Frank Changed "Reg O" - by Timothy R. Moore

Your Perspective
What will be the most noticeable difference between community banks today and community banks in 10 years?

"You can't just ask customers what they want and then try to give that to them. By the time you get it built, they'll want something new."  - Steve Jobs
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