James D. MacPhee, who will become chairman of the Independent Community Bankers of America this week, has the right pedigree for the job at the right time.

He has worked at a small-town bank in western Michigan for 35 years, serving as its chief executive for the past 17 years, and has seen the industry rebound from several crises. More important, his Kalamazoo County State Bank in Schoolcraft has been a survivor in a state synonymous with the worst effects of the recession.

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