almost half my life

Bill - I've spent almost half my life with you & celebrated so many wonderful life events with you, watched our children grow into wonderful  young and then not so young adults - lots of challenges & ups & downs.  I've learned & grown & had so many rewarding experiences holding on to your coat tails as you've moved more than a mile a minute, more than a new idea or product or program a minute - Always at the head of the pack, never satisfied with the last success, always moving on to the next challenge.  Thru the great, rewarding times & the rough times too, it's been amazing - so many opportunities for growth & seeing the impact of our work in the community - I know you will find great challenges with your new work, great successes & wish you much happiness.  Carol Chernikoff, Chief Lending Officer