The MIBA scholarship program continues to generate enthusiasm among MIBA member banks. It is designed to meet the financial needs of community bank employees/dependents more than to recognize scholastic achievement. The determination of such needs was left to the sole discretion of the community bank CEO submitting the application. Some banks held their own drawings to determine the applicant submitted. We feel this award opportunity is a valuable addition to our member banks’ employees in furthering their education either in the field of banking or helping to make possible continuing education for their dependents.