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?

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