THE LOWDOWN ON BOLI The pros and cons of bank-owned life insurance MARCH 2021 independentbanker.org BRANCH STRATEGY DATA-DRIVEN MARKETING What is it, and how can it boost business? ARE MORE BRANCHES BETTER? Community banks weigh in FLIGHT OF THE NAVIGATOR Incoming ICBA chairman Bob Fisher on why he left the Air Force for the world of community banking PAGE 40 + SMART SOCIAL MEDIA STRATEGIES James Sills, president and CEO of M&F Bank in Durham, N.C.http://www.independentbanker.org