In This Issue:

- Interview with a Community Banking Professional: Mark Williamson, President of High Point Bank

- Creditors' Rights: Top 10 Bankruptcy Truths Bankers Should Know by Rayford K. (Trip) Adams III

- Regulatory: The Consumer Finance Protection Bureau: What Community Banks Need to Know by R. Scott Adams

- Regulatory The JOBS Act Provides Opportunities for Community Banks by Hugh B. Wellons

- The Drive-Thru

Excerpt from - Interview with a Community Banking Professional: Mark Williamson, President of High Point Bank

Q: High Point Bank is a family-owned bank. Has that offered special advantages to your bank during the recession? If so, what are they? Any disadvantages?

A: High Point Bank is fortunate. We were founded in 1905 and since then we have had very patient capital behind the bank. Our shareholders are in it for the long haul, so they are not looking at the numbers exclusively from quarter to quarter. Additionally, our shareholders have been very smart in their appointment of the Board of Directors. The bank is blessed to have a very capable, smart and patient Board at the helm.