Independent Banker's MOST BANKS Innovation takes many forms. It doesn't have to be about technology-although it often is. It could be a product. It could be a management philosophy. It could even be your recycling bins. What counts is that it solves a problem, meets a need or just makes your community a better place. When we asked you to nominate community banks that think diff erently, you delivered. We loved learning about all the great things you're doing-but we had to pick just 20 community banks to recognize. Turn the page to get started. Typography: Hit and Run independentbanker.org Q 45http://www.independentbanker.org