January ‘18

F E A T U R E D M E M B E R

Hannibal National Bank

HNB Bank I 203 South Main I Palmyra, MO 63461 I 573-769-2800 I www.hnbbanks.com

Customer Service Representative Maria Richardson.

palm of your hand. Online account access is available any time of the day or night, from the privacy and convenience of your computer, tablet or mobile device. Online account access provides you with complete and secure access to your accounts on demand.

Want help setting up your online banking? Stop in at HNB in Palmyra or any HNB location where employees will take the time to walk you through the process. For those who prefer not to use the Internet, banking by phone is available.

BusinessWhether you need a Commercial Real Estate or an Agriculture Loan, you can sit down and take care of this without leaving

town. HNB Bank loans are both flexible and priced right! All the funding opportunities available to help you select the best solutions for your business needs will be explored. HNB Bank is the ideal loan source for purchase money or refinancing. HNB has experience with SBA and other agencies to help you take advantage of the best programs available. Long term fixed rate farm real estate loans through Farmer Mac are also offered.

HNB Bank is a full-service community bank, which offers you a complete array of financial services solutions beyond traditional bank products and services. When it comes to professional financial solutions…think INSIDE the Bank!

HNB Bank was originally organized in May 1888 as the Bank of Hannibal. The building on the corner of Main & Broadway in Hannibal, Missouri, was constructed in 1889 and today remains the bank’s corporate headquarters. In 1903 the bank applied for and was granted a national charter and became Hannibal National Bank. As the bank continued to grow to serve additional markets throughout Northeast Missouri, it officially became HNB National Bank in 2003. The Palmyra branch opened in January, 1995, in the very same location on Main Street where it still is located today.

Personal BankingHNB wants to be the bank you choose for your personal banking services. Mason Owen, Branch Manager, elaborated, “Trusting your finances with someone you know is essential. With HNB you can expect all the amenities that you would from a neighbor.” Additional branch locations and ATMs are located in these Missouri locations: Hannibal, Monroe City, Bowling Green, Perry, St. Joseph, Savannah, Stanberry, Troy, and Wentzville.

Of course, HNB provides E-banking through it’s “Virtual Branch,” providing you with quick, convenient and secure access to your account information in the

Business Online BankingBusiness Online Banking can provide a plethora of account management tools. For just $19.95 per month (free with Corporate Checking), eCash Management includes all of the eBusiness Banking features plus the ability to manage these services: bill payment, payroll, collections, authorizing transactions and payments, ACH payments and receipts, supervisor functions, and wire transfer requests. Interested businesses who aren’t quite sure if this works for them can try eCash Management with a free, no-obligation 90-day trial.

HNB Bank is proud to offer Remote Deposit; businesses can make daily check deposits without ever leaving the office! This state-of-the-art convenience can save your business time and money. Checks are electronically scanned at your business and converted to digital images. The deposit file is then encrypted and sent over the Internet. HNB receives the check images and posts the deposit to your business checking account. You will receive an email confirmation that your deposit has been processed.

Investment ServicesHNB Investment Services understands that investing is not just money, but the foundation that shapes your future. So, HNB is committed to providing quality products and services in the quest to pursue your goals. Products and services offered through Century Securities include, but are not limited to, financial planning, life insurance and retirement plans.

Two financial advisors are located at the Investment Center at the HNB North branch in Hannibal on 2903 Palmyra Road. Shelby Terrill has worked in the financial services industry since 2008. He holds the series 7 and 66 licenses from the Financial Industry Regulatory Authority along with a life and health insurance license. Jennifer Shores has been working with investors since 1996. Jennifer holds the series 7 and 63 licenses from the Financial Industry Regulatory Authority. In addition to her role as Registered Sales Assistant for HNB Investment Services, Jennifer is an administrative assistant to HNB Trust Services.

Trust ServicesTrust and Estate planning are fundamental to the preservation of your assets. HNB National Bank Trust Services provides professional advice that takes your individual needs and goals into consideration. HNB Bank has been providing high-quality, affordable trust services since 1927. HNB has the experience, resources and proven results to offer you and your family a wide range of expertise in all types of trust and estate planning. Specialties of the Trust Service Team include living trusts, executorships and estate administration, and farm and land management. You have worked hard to accumulate your wealth, whether

Mason Owen, HNB Palmyra Branch Manager.

Hannibal National Bank(Continued)

HNB Bank I 203 South Main I Palmyra, MO 63461 I 573-769-2800 I www.hnbbanks.com

Karen Miller, Customer Service Representative and Joshua Altheide, Personal Banker, waiting to serve you.

Ribbon cutting ceremonies for HNB’s Palmyra Branch in 1995.

HNB Bank Palmyra HoursLobby:

Monday – Thursday 8:30 am – 4 pm, Friday 8:30 am – 5 pm and Saturday 8:30 am – Noon.

Drive In WindowMonday – Thursday 8 am – 5 pm,

Friday 8 am – 6 pm and Saturday, 8 am – Noon.

They’re waiting to serve you!

This building on the corner of Main & Broadway was constructed for and occupied by the Bank of Hannibal in 1889. The Bank of Hannibal reorganized as the Hannibal National Bank in 1903 and officially became HNB Bank in 2003. The building’s exterior appearance was maintained until 1953. The building serves as HNB Bank’s corporate headquarters.

Hannibal National Bank(Continued)

you want your assets to go to your family, a favorite charity or simply those you care about most; HNB National Bank Trust Services wants to help. You can rely on their confidential, professional staff to handle your account with the expertise and individuality you deserve.

Reinvesting in Our CommunityHNB Bank believes in reinvesting in community and supports Adopt-A-Family and the United Way among other charitable causes. Mason Owen, new Palmyra branch manager, tutors at Palmyra Elementary, participates in Junior Achievement, reads at the Marion County Library, and is a member of the Palmyra Kiwanis and Masonic Lodge.

HNB Bank I 203 South Main I Palmyra, MO 63461 I 573-769-2800 I www.hnbbanks.com

PALMYRA

Chamber Briefs...The Palmyra Chamber of Commerce held its monthly meeting Tuesday, December 12, at HATS.

ANNUAL AWARDS BANQUET The Chamber’s Annual Awards Banquet will be held Thursday, January 11. Tickets are available at the Chamber office, City Hall, HATS and the Spectator office. For the first time, Chamber businesses have the opportunity to sponsor tables at the Annual Banquet by decorating a table to reflect their business and display their product to banquet attendees. A business does not need to buy tickets for seating at that table. To reserve a table to decorate, call or email the Palmyra Chamber office (573-769-0777; palmyrachamber@gmail.com). Ten tables of eight are available for sponsorship. Small businesses may choose to sponsor a 1/2 table.

CHRISTMAS IN PALMYRA Teresa Smyser thanked all who helped make Christmas in Palmyra so successful. The auction raised $2360. In addition, several businesses made monetary donations. The Food Pantry items brought to the event have been delivered. (See page 8.)

GUEST SPEAKER, LOREN GRAHAM Mayor Loren Graham was our guest speaker. Before having him recap the city’s 2017 accomplishments, President Jones-Liendo congratulated Graham on his long service as Branch Manager at HNB Bank and on his upcoming retirement.

Mayor Graham shared a long list of city accomplishments for 2017. The Panther logo was painted on the water tower. Two phases of upgrading the city’s electrical grid have been completed; the final phase with be completed in Spring 2018. The upgrade will save the city about $40,000 a year in electrical costs but will take a while to pay for itself.

Upgrades to the filtration system at the water plant have begun, and a newly installed dewatering screw press at the wastewater treatment plant is providing efficient desludging. The city has also been working to cut down on storm water runoff in the sewers by fixing leaks to reduce inflow and attempting to eliminate sump pump flow from entering the sewer system. Utility meter reading is now completely automated.

Improvements to sidewalk and curbing have begun, and Dickerson Street has been extended to improve residential accessibility. Some work has been done to prevent erosion on a section of the Main Street culvert, though this road is part of Business 61 and the city wants it to remain under MoDot jurisdiction.

The yard waste program, wherein the city will take away raked leaves, etc., left on the street in front of city homes, will continue. The police station parking lot has been extended.

The storm water study has been completed. Addressing the problem will take 5-10 years to complete and about $220,000 a year to fund projects like citywide storm water improvements and infrastructure work. Palmyra City Council members officially approved two sales tax ballot proposals that will appear on the April 2018 ballot. The capital improvement proposal would replace the existing 1/4-cent capital improvement sales tax with a new 1/2-cent sales tax, while the transportation sales tax proposal would enact a 1/4-cent sales tax for transportation projects. “In essence, the 1/2-cent sales tax increase would essentially replace the recently repealed 1/2-cent Highway 36 TDD tax, making it a ‘no tax increase’ proposal,” shared Graham.

The next monthly Chamber Meeting will be the Annual Banquet on Thursday, January 11. Social begins at 6 p.m. and dinner at 6:30 at Farischon Hall.

2016 Award Recipients at last year’s banquet.

ANNUAL CHAMBER AWARDS

SHOWCASE YOUR BUSINESS AT THE ANNUAL PALMYRA CHAMBER AWARDS BANQUET

Do you have your tickets for the Palmyra Chamber’s Annual Awards Banquet Meeting, Thursday, January 11th at Farischon Hall? Tickets are available at the Chamber Office, City Hall, HATS, and the Palmyra Spectator. The Annual Awards will be presented for Citizen, Educator and Volunteer of 2017. The award for Business Hall of Fame and the Paintbrush Award, for a business improving its appearance, will be revealed; the Chamber President also gets to present her choice for a special President’s Award.

CHAMBER HAPPENINGSCHAMBER HAPPENINGS

There are only a few days left to join those showcasing their businesses at the 2018 Annual Chamber Awards Banquet by decorating a table. You can promote your business by using branded items such as pens or notepads at place settings with the centerpiece/prize being an item/service sold by the business. Or choose a theme, such as movies or wine, decorating accordingly. Your business doesn’t need to buy tickets for seating at that table. The whole idea is to see banquet attendees flock to your table because they like what they see!

To reserve a table to decorate, call or email the Palmyra Chamber office (573-769-0777; palmyrachamber@gmail.com.) Only a few tables of eight are still available for sponsorship. If you are a small business, why not sponsor ½ a table, going in with another Chamber member? Then• Provide an item for the center of the table that will be a door prize for someone seated at that table. • Provide a small item at each place setting as a favor for each person at the table. *Any items placed on the table will be considered prizes.

The Palmyra Chamber will have Msgr. Farischon Hall open between 12:30 – 1:30 p.m. on January 11 to give you time to decorate your table. If you prefer, you may bring your decorations to the Chamber office prior to this date and this can be done for you. The Chamber will be responsible for the tablecloths, napkins and table service for all tables. We will also provide a small sign with the name of your company which will be placed on your decorated table.

Use your creativity!The door prizes and table favors will add another reason for our attendees

to come to the 2018 banquet!

NEW!

GETYOUR BANQUET TICKETS TODAY!

Ideas for banquet tables compliments of the Jackson Missouri Area Chamber of Commerce. IDEA IDEA IDEA

Good News! The deadline to purchase advance tickets for the Palmyra Chamber’s Annual Awards

Banquet at the cost of $20 has been extended through Tuesday, January 2. After January 2, tickets

will be $25 each. Social begins at 6 p.m. with dinner at 6:30 p.m.

Thanks to all who played a part in making this year’s Christmas in Palmyra so very successful including our Christmas carolers the St. Joseph Singers and the Methodist Church Choir and George Keller, our effective auctioneer. Congratulations to Dena Wilson and the Olive Branch, the 2017 Winner of the People’s Choice Award.

The live auction was a big draw, and hearty bidding raised $2360. We are sincerely grateful to the businesses and individuals who donated items or refreshments for the live auction: Anonymous, Area Disposal, BASF, B&S Insurance, Deb Behring, Blessing Palmyra Clinic, BLP, Branching Out, Breadeaux, Budget Inn, Connie Burch, County Market, Edward Jones, Exchange Bank, Farm Bureau Insurance, Flowers For You, Hannibal Tractor, HATS, Heritage Seekers, Ed Hess, HNB Bank, HOMEBANK, Lynn & Lemons, Maple Lawn, Mark Twain Title, Mercantile Bank, Olive Branch, Palmyra Parks & Recreation, Palmyra Spectator, Rebel Pig, Rachel Bringer Shepherd, State Farm Insurance, Sydenstrickers, United Community Credit Union, Janelle Vondehaar and Watters Implement. Thank you to BASF, Brown’s Furniture, L. N. Bross, Joelle Fohey, Janes Surveying, Kathryn McDaniel (Community Mgr., Relay For Life), Northeast Missouri Machine & Pattern, Palmyra Jaycees, REC, Roland Machinery, SSD Build and an anonymous donor for generous monetary contributions. Congratulations to the winners of the cash drawings: Sarah Baxter, Judy Baker, Connie Blue, Sandra Brown and Lisa Ramey each won $100. Wayne Johnston won $200, and Doug Dry was the lucky $300 winner.

The money raised stays in the community and is used for Palmyra R-1 Scholarships and donations for organizations and events such as the Food Pantry, Heritage Seekers, PHS After Prom and After Graduation, FACT’s PAWS Pack Program, etc. Monies also assist in funding fire truck rides with Santa, a Palmyra tradition.

~ Gratefully, The Christmas in Palmyra Committee, Teresa Smyser, Chair

Christmas in Palmyra Drawing Winners

Barb & Sally Bross with People’s Choice Auction Item donated by the Olive Branch.

KUDOSBest Wishes to Loren Graham, retiring Branch Manager at HNB Bank in Palmyra. Loren has been with HNB since March of 1994 and has been Branch Manager in Palmyra since the location opened in 1995. Loren is looking forward to having more time to enjoy his grandchildren and is planning to enter the race for the 5th District Republican seat in the Missouri House of Representatives.

8th Annual Prom Dress ResaleHave a dress to sell? Know someone who wants to buy a dress? The Annual Prom Dress Resale, hosted by the First Christian Church, will take place at Zion Lutheran School, 120 S. Spring Street in Palmyra. Bring dresses to the school to sell January 24-26 from 6-8 p.m. A fee is charged for registration and sale. The sale takes place Friday, January 26 from 6-8 p.m. and Saturday, January 27 from 10 a.m.-4 p.m. For more information call Nancy Goellner at 573.470.0861.

JA IN A DAY AT Palmyra Elementary School JA in a Day will take place at Palmyra Elementary on Monday, March 5th. Junior Achievement is in need of community volunteers who have a vested interest in the success of students in our community! Volunteers are able to share their real world experience with students. All materials, along with turn by turn directions, are provided to lead a Junior Achievement Program. Last year, four Palmyra Chamber members participated in this program.

JA Our Community (Grade 2) introduces students to the intersection of work readiness and early elementary grades social studies learning objectives, including how citizens benefit from and contribute to a community’s success. JA Our City (Grade 3) introduces students to the basics of financial literacy, the characteristics of cities, and how people and businesses in cities manage their money. JA Our Region (Grade 4) introduces students to entrepreneurship and how entrepreneurs use resources to produce goods and services in a region.

Join us on March 5! You may sign up online; just click >here.< If you prefer, contact the Palmyra Chamber of Commerce at palmyrachamber@gmail.com or 573-769-0777 or Denise Damron, Junior Achievement in Northeast Missouri and West-Central Illinois District Manager, at 573-769-0161 or ddamron@jastl.org.

Drop Off: Jan. 24-26; 6-8 pmShop: Jan. 26; 6-8 pm &

Jan. 27; 10 am - 4pm

JA in a Day General Information Palmyra Elementary School

About JA in a Day JA in a Day is a special opportunity for community members to educate elementary students on financial literacy, work readiness, and entrepreneurship all in the course of around 3 hours. Community volunteers lead hands-on activities that are provided to volunteers by Junior Achievement. The activities educate youth on the connection between education and success in the workplace. Volunteers are able to share their real world experience with students. Curriculum, training, and support is provided by Junior Achievement. At Palmyra Elementary a JA in a Day will occur on March 7th! We are in need of community volunteers like yourself who have a vested interest in the success of students in our community!

Classes needing a Volunteer

in Northeast Missouri and West-Central Illinois

JA Our City (the 3rd grade program) introduces students to the basics of financial literacy, the characteristics of cities, and how people and businesses in cities manage their money. They explore how financial institutions, entrepreneurs, and news media contribute to the financial well-being of a city.

Teacher: Grade: Monica Bross 3 Irene Brown 3 Joanna O'Brien 3 Carrie Smith 3

Teacher: Grade: Nathan Hathaway 4 Sherri Ragar 4 Shelley Smith 4 Teri Traynor 4 Britne Wheeler 4

JA Our Region (the 4th grade program) introduces students to entrepreneurship and how entrepreneurs use resources to produce goods and services in a region. Students operate a hypothetical hot dog stand to understand the fundamental tasks performed by a business owner and to see how money comes into and goes out of a business.

Th. January 11Msgr. Farischon Hall.

Awards for Citizen of the Year, Educator of the Year, Volunteer of the Year, Business Hall of Fame and the

Paint Brush Award will be given at the Palmyra Chamber Annual Banquet.

Social 6 p.m. Dinner 6:30 p.m.

Tu., February 13Nutrition Center. Amy North, physician with

Blessing Palmyra Clinic, will share information about services provided.

UPCOMING MEETINGDATES & PROGRAMS

YOUR NEXT CHAMBER MEETING IS NOON

2018 CHAMBER MEMBERSHIP:

Renew Your Chamber Membership for 2018 NOW! Become a Member for the first time!

Membership runs January – December. Businesses with only 1-3 employees can join for only $75. Not-For-Profit 501(c)3

Organizations and Non-Business Individual Memberships are also $75, while Retired Individuals may join for $25. An application and

more information are available on the Chamber website: HERE.

Palmyra Chamberof Commerce

Working Together for a Stronger Future for the Palmyra Area

Visitwww.showmepalmyra.com

for everything Palmyra!

upcoming eventsCALENDAR

Chamber Email Address: palmyrachamber@gmail.com

Palmyra MO Chamber of CommerceVisit us on Facebook at:

January 1Happy New Year!

January 7PRIDE Graduation~3-5 pm,PHS Gym

January 11Palmyra Chamber Annual Awards Banquet~Social 6 pm, Dinner 6:30 pm, Msgr. Farischon Hall

January 15Martin Luther King Day

January 267th Annual Prom Dress Resale~6-8 pm, Zion Lutheran School

January 277th Annual Prom Dress Resale~10 am-4 pm, Zion Lutheran School

March 5JA in a Day~8 am-2 pm, Palmyra Elementary