A lot has changed since Joe Face showed up for his first day on the job at the State Corporation Commission’s Bureau of Financial Institutions 46 years ago. They were all going down and we closed every savings and loan in the state. JF: No, I just took it one day at a time, day by day. RBS: What was happening in Virginia banking when you filled Bailey’s seat? First Tennessee Bank wanted to purchase Virginia bank branches but there was disagreement on reciprocity.