The following is the first of a new BTN series which examines whether there is any such thing as regional banking culture-at least as pertains to how technology is viewed and used. The institution profiled here is based in Westchester County, NY, an area that one might say epitomizes "Old Money." We hope in this series to also examine the banking culture of "New Money," of the urban poor and the rural poor.

Jack Finnerty loves relationships. His marriage of 37 years is evidence, along with thousands of other relationships that he has cultivated in his role as chief executive officer and president of Hudson Valley Bank, based in Yonkers, NY. Good job, since 98% of Finnerty's customers are small business owners.

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