Pub. 1 2012-2013 Issue 3

Contents: •4 Words from John McNair •6 Hello! •6 Barret School of Banking •7 On Capitol Hill •8 Cause for Caution •12 A Role for Community Banks in West Virginia’s Oil & Gas Industry •14 Regulatory Watch •16 Bank Member News •18 Webinar Schedules Of f i c i a l Pub l i ca t i on of The Commun i t y B ank e r s of We s t V i rg i n i a     Wi nt e r i s s ue 2 0 1 3