CONNECTIONS A meeting place for community bankers President and CEO Jack Barrett of First Citrus Bank accepted the Tampa Bay Chamber's 2019 Small Business of the Year Award. Read about First Citrus Bank's internal culture on page 72 We empower our people, and it's not lip service. We encourage them to make mistakes. " -Jack Barrett, First Citrus Bank independentbanker.org Q 71http://www.independentbanker.org