contents COVER STORY 32 22 Lending legends Independent Banker's annual ranking of the top community bank loan producers includes consumer and mortgage lending superstar Lawrenceburg Federal Bank, above. Leading Voices 5 From the Chairman 7 Fine Points With Interest 10 Around the Industry 12 By the Numbers 12 14 Main Street Focus A look at First State Bank of Middlebury's successful digital banking products and services 16 Indie Banker CEO Michael Solberg explains why Bell Bank's innovative Pay it Forward program benefi ts everyone Feature BANK STARTUPS 32 New life for de novos? De novo activity is slowly ramping up after the recession. What factors could help or hinder these green shoots? 16 independentbanker.org ICBA IndependentBanker 1 July 2017http://www.qmags.com/clickthrough.asp?url=www.independentbanker.org&id=20303&adid=P1E1