CHANGE IS PAINFUL – absolutely – so much easier to just bump along – same old, same old. After all, why upset the apple cart? Besides, who wants to suffer the rigors of changing stuff?

If change is a challenge where you live, this is a great book on the subject by the Heath Brother’s -- “Switch: How to Change Things When Change Is Hard”. We have recommended it to any number of executives. There is even an audio version; listen on the way to work.

The Heaths summarize years of research into a good read that keeps your attention with humor, interesting real world illustrations, and practical strategies. We think you will appreciate it as much as we have and use it as a reference work.

While we are at it, here is a really simple change for you -- the check:r. You increase fee income, eliminate the outsourcing money drain, build your asset ratios, and bring a quality of service with your most important check user clientele that they will easily understand and appreciate. We don’t know why no one thought of this several years ago.

Let us know your thoughts.