I’ve been in this industry a long time – no need to dwell on the actual years invested but suffice it to say I’ve seen quite a few changes during my banking journey. I joined Litchfield Bancorp in 1994 when my predecessor Mark Macomber brought me on as Vice President and Senior Commercial Lender. At that time, our bank was at a tipping point – a financial tipping point. Like any business in that situation, it was sink or swim time. Mark decided to swim, I agreed to follow – and that required change at the bank.