contents The Missouri 573-636-8151


Max Cook Publisher


cmcook@mobankers.com


Lori Bruce Editor


lbruce@mobankers.com


The Missouri Banker (USPS Number 000044, ISSN Number 0893-5637) is published six times a year by the Missouri Bankers Association, 207 E. Capitol Ave., Jefferson City, MO 65101. Second-class postage is paid at Jefferson City, Mo. Copyright© 1998 by the Missouri Bankers Association. All rights reserved. POSTMASTER: Send address changes to The Missouri Banker, P.O. Box 57, Jefferson City, MO 65102. Opinions expressed in any signed article in The Missouri Banker are those of the author and should not be construed as the viewpoint of the editors or of the Missouri Bankers Association. Neither should information provided in The Missouri Banker be construed as legal advice. The Missouri Banker does not provide legal advice, nor does it take the place of legal counsel hired by financial institutions. While this publication makes a reasonable effort to establish the integrity of advertisers, it does not endorse advertised products or services, unless otherwise so stated. This issue may contain legislative advertising. Advertising copy is generally segregated from news and other information.


Address Changes


Submit address changes for The Missouri Banker to MBA, P.O. Box 57, Jefferson City, MO 65101, Attn: Database Manager or email database@mobankers.com.


American Bankers Association Perspective No Deal: States Slam on Brakes for CU Acquisitions of Community Banks .................. 6


Department News Government Relations: Contribution to MBA PAC is Investment in Your Bank .............. . . .8 Legal: Denial of Due Process Muddles Supervision ......................................... . 9 Compliance: Understanding UDAAP .................................................... 10 Education & Marketing: Put Me in Coach; I’m Ready to Play! ............................. 11 MBA VEBA: Dental Coverage Essential to Your Health, Well-being .......................... 12 Young Bankers Leadership Division: Young Bankers Seek New Challenges, Career Growth. 13


Cover Story A Servant’s Heart ........................................ 14 MBA Chairman J.R. Buckner pours into profession, community as a leader focused on service


Guest Commentary MOBUCK$, a Tool for Missouri Banks, Small Businesses, Farms .......................... 18 SALT Parity Act Creates Income Tax-Saving Opportunities ............................ 20 Missouri Supreme Court Rules Arbitration Agreement in Retail Installment Sales Contract is Enforceable .................................. 22


facebook.com/mobankers facebook.com/moyoungbankers


@mobankers @mobankers


Missouri Bankers Association THE MISSOURI BANKER 1


Around the State MBA Chairman’s Award Honorees ........................................... 24 50 Year Club Honorees .................................................... 26


From our Chairman Stewardship, Committment to Our Communities ...................................... 2


From our President Ruling Signals Strategy to Combat Regulatory Overreach .................................. 5


C


o


n


n


e


c


t


w


it


h


M


B


A!

Page 1  |  Page 2  |  Page 3  |  Page 4  |  Page 5  |  Page 6  |  Page 7  |  Page 8  |  Page 9  |  Page 10  |  Page 11  |  Page 12  |  Page 13  |  Page 14  |  Page 15  |  Page 16  |  Page 17  |  Page 18  |  Page 19  |  Page 20  |  Page 21  |  Page 22  |  Page 23  |  Page 24  |  Page 25  |  Page 26  |  Page 27  |  Page 28  |  Page 29  |  Page 30  |  Page 31  |  Page 32