The Independent Community Bankers of America¬, the nationÍs voice for more than 5,800 community banks of all sizes and charter types, is dedicated exclusively to representing the interests of the community banking industry and its membership through effective advocacy, best-in-class education and high-quality products and services. For more information, visit ICBAÍs website at www.icba.org. Whether located in small towns, suburbia or big-city neighborhoods, community banks improve our towns and cities by funding small businesses and using local dollars to help families purchase homes, finance college and build financial security. ICBA supports fair competition for financial institutions, maintaining the separation of banking and commerce, and a balanced financial system to prevent the concentration of economic and financial-services resources. ICBA member community banks create symbiotic relationships with the communities they serve, favor local decision-making, while adhering to the highest business practices and ethical standards, and support a democratically governed association where each member bank has a voice and a vote. ICBA is committed to upholding the highest professional standards in community banking and providing programs tailored specifically for community bankers. Through ICBA educational courses, certification options and continuing education programs, community bankers are better able to serve their customers and stay profitable. Mission Create and promote an environment where community banks flourish.