I was sorry to read about Dave Wood's death. Dave was what has in this era of sliced and diced derivatives become a rarity: a true community banker, who knew his customers as individuals. I did my first transaction with Dave at age 17, when he approved a business loan for $700. Twenty years later, he approved a loan for a third in vitro fertilization attempt (the first two having failed). That attempt succeeded, and whenever I am in Ouray with my daughter Genevieve I never fail to point out the Citizens State Bank and remind her that is where her mother and I financed her.