PACB 2020 Annual Meeting

September 25, 2020
10:15 a.m. – 1:00 p.m.

2020

ANNUAL MEETING

To register for the 2020 Annual Meeting, please
follow the link below.

hereCLICK TO REGISTER FOR THE 2020 MEETING.

To participate in our online meeting on September 25, 2020 at 10:15
a.m., login via the annual meeting credentials below.

hereCLICK TO ENTER THE ANNUAL MEETING.

2020 ANNUAL MEETING | PAGE 2

Welcome to Annual Meeting 2020!

Our experience this year is a little different than my first convention
last year at the Broadmoor in beautiful Colorado Springs, or our
planned convention at the Grand Floridian Resort in Orlando.
Nevertheless, it is a privilege to welcome you to this first-ever, and
hopefully last, virtual annual meeting of the PACB membership.

Kentucky author James Lane Allen once observed “Adversity does not KEVIN L. SHIVERS
build character, it reveals it. This year sure revealed the character President and CEO, PACB,
and strong leadership of our PACB chairman Jon Conklin. At last
year’s convention, Jon challenged members to “be involved.” During Harrisburg, PA
this extraordinary time, whether in person or online, Jon always was
present, eased our concerns, and fought for our interests. He deserves
a lot of credit for his leadership during these extraordinarily trying
times and our undying gratitude for his efforts.

Community banks in Pennsylvania have done a fantastic job. You delivered the lion’s share of paycheck
protection loan funds to our small businesses. More than 158,000 of them, an average of $112,000 each.
And you did it quickly, despite confusing and ever-changing rules. You let customers know you “had their
backs.” And you instituted new procedures to protect your employees and associates from harm.

I know we’re all eager to return to normal. But what is normal? Our kids are at home, doing their Zoom
homework. Restaurants have moved their tables outdoors. It’s tempting to think about “the new normal.”
Some things have changed forever. Some for the better.

For one thing, we have rediscovered the value of strong relationships. I think that is what set community
banks apart during the pandemic. It undoubtedly is the reason Washington called upon us to deliver the
largest domestic economic relief package in our nation’s history.

You were models for the nation. That is not hyperbole. That is a fact.

Sincerely,

Kevin L. Shivers, CAE
President and CEO
Pennsylvania Association of Community Bankers

2020 ANNUAL MEETING | PAGE 3

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2020 ANNUAL MEETING | PAGE 4

AGENDA

10:15 a.m. ANNUAL MEETING

GUEST SPEAKER

Rebeca Romero-Rainey

President and CEO, ICBA, Washington, D.C.

WELCOME AND OPENING REMARKS

Kevin L. Shivers

President and CEO, PACB, Harrisburg, PA

ANNUAL MEMBERSHIP MEETING

Presiding: Jon P. Conklin, PACB Chairman

President and CEO, Woodlands Bank, Williamsport, PA

Introduction of PACB Past Chairmen
Consideration of Minutes of 2019 Annual Meeting

Treasurer’s Report:

Timothy P. Snyder, PACB Secretary/Treasurer

President and CEO, Fleetwood Bank, Fleetwood, PA

Secretary’s Report:

Timothy P. Snyder, PACB Secretary/Treasurer

President and CEO, Fleetwood Bank, Fleetwood, PA

Announcement of Results of PACB 2020-2021 Volunteer
Election of Board of Directors and Officers

Issuance of Salutes

Remarks: PACB Chair - 2019-2020

Jon P. Conklin, President and CEO, Woodlands Bank, Williamsport, PA

Remarks: Incoming PACB Chair - 2020-2021
Lori A. Cestra, PACB Chair-Elect

EVP and COO, Enterprise Bank, Allison Park, PA

Presentation to the Past Chairman

PACB President’s Report:

Kevin L. Shivers, President and CEO, PACB, Harrisburg, PA

Recognition FirstPAC Contributors:

Chuck Leyh, FirstPAC Chair

President and CEO and Chairman, Enterprise Bank, Allison Park, PA

Annual Meeting Adjournment:

Jon P. Conklin

SPONSORSHIP RECOGNITIONS AND CONCLUDING REMARKS

Kevin L. Shivers

President and CEO, PACB, Harrisburg, PA

ADJOURNMENT

2020 ANNUAL MEETING | PAGE 5

WELCOME MESSAGE FROM PACB SERVICES

Ladies and Gentlemen:
It is PACB Services Corporation Inc.’s pleasure to welcome you to the Pennsylvania
Association of Community Banker’s Annual Meeting 2020 – held virtually online in what has
become a very interesting year for all of us!
PACB Services, Inc. (PACBSI) works closely with 11 Preferred Providers to bring solutions for
growth, product expansion, expense reduction and competitive advantages to PACB member
institutions. Our Preferred Provider Network vendors have entered into formal agreements
with PACBSI to offer community banks value-added services, high-touch relationships and
preferred packages and pricing – all while supporting the PACB and the community banking
industry.

Utilizing the PACB’s Preferred Provider Network is:
A Win for You
A Win for PACB

A Win for Community Banking!
PACB Services Inc. believes in the value and importance of community banking and the
Preferred Provider Network is poised to help you every step of the way!
Our best for a successful and rewarding remainder of 2020!
Please enjoy the 2020 Virtual Annual Meeting and stay connected with the PACB and each other.

2020 ANNUAL MEETING | PAGE 6

PACB Services, Inc. (PACBSI) works closely with 11 industry Preferred Providers to bring quality
products and services to PACB member institutions. These companies have entered into formal
agreements with PACBSI to offer community banks value-added services, high-touch relationships
andPpArCefBerSreerdvipcaecsk, Iangce.s(PanAdCpBrSiIc)inwgo. rks closely with 11 industry Preferred Providers to bring quality

products and services to PACB member institutions. These companies have entered into formal

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2. Preferred pricing and enhanced services based on aggregate purchasing power available
1. to eQveuraylistyizperfoindauncctsiaalnindsstietruvtiicoens. from vendors that have been initially vetted by a Board of
Fincaonmciaml uconmitymbiatmnkeinntgfrpoemersth. ese companies to support community banking and the
3. AssPorceifaetriorendthparitceinxcgluansidveelnyhraenpcreedsesnetrsviitc.es based on aggregate purchasing power available
2. PretfoererveedrPyrsoizveidfeinrsansicgianlifiincsatnittuitniovnol.vement in the PACB as subject-matter experts,
corpFionraantecisaplocnosmomrsiatmndenetxfhriobmitotrhse.se companies to support community banking and the
4. MoAnisessopciaaitdiotno tPhAatCeBxScIluasrievueltyilirzeepdretsoednitrseictt.ly support the advancement and growth of
3. comPmreufenrirteydbParnokvinidgeirnsistiiagtnivifeicsainnttihnevColovmemmeonntwineathlteh.PACB as subject-matter experts,
PAcCoBrpSoerravtiecessp,oInncs.odrsiraenctdlyexsuhipbpitoorrtss.the PACB through corporate sponsorships and the
5. assuMmopntiieosnpoafidpetorsPoAnnCeBlSaInadrefauctiilliitzieesdetxopdeinrseectalylloscuaptpioonr.t the advancement and growth of
4.
community banking initiatives in the Commonwealth.
6.
5.

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and allowsatshseumAspstoiocniaotifopnetrosoreninnevleasnt dPrfeafceirlirteiedsPerxopveindseer aclolomcpaetinosna.tion to support PA’s Community

Banks. It is a Win for you, a Win for PACB and a Win for the community banking industry.
In the end, utilizing PACBSI Preferred Providers directly backs the PACB to help keep dues stable

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table.
As you look for solutions to help grow the bank and tighten expense ratios, look to PACB Services,

If yIonuc.hParveefearnreydqPureostviiodnesrsr.egWaredwinognt’ht ealPwAaCysBbSeertvhieceasn,sIwnce.r,PbreufteprrleedasPeraolvloidweruspraosgeraatma,t pthleeasseelection
conttaabcltem. e.

BarIbfayroauHhoalvbeeratny questions regarding the PACB Services, Inc. Preferred Provider program, please
Precsoidnetnactt&mCe.EO

PACB Services, Inc.
[email protected]

President & CEO

PACB Services, Inc.
barbara@pacb“.Doerdgic3a2t1e1d to Working with Product & Service Providers that Support Community Banking”
North Front Street | Suite 102 |Harrisburg PA 17110 | (717)231-7447

“Dedicated to Working with Product & Service Providers that Support Community Banking”
3211 North Front Street | Suite 102 |Harrisburg PA 17110 | (717)231-7447

2020 ANNUAL MEETING | PAGE 7

142ND ANNUAL MEMBERSHIP MEETING MINUTES

September 27, 2019, The Broadmoor, Colorado Springs, CO

Underline = Action taken

OPENING CEREMONIES:

Convention attendees stood for the national anthem and joined in the pledge of allegiance. PACB President and CEO, Kevin Shivers,
welcomed the group and honored the founding members of the PACB. Mr. Shivers introduced PACB Chairman Troy M. Campbell,
President and CEO Altoona First Savings Bank who welcomed everyone to Colorado and recognized the past Chairmen of PACB
thanking them for their leadership of the association.

CALL TO ORDER:

Chairman Campbell called the meeting to order at 8:33 am.

INDUCTION OF 2019 HALL OF FAME HONOREES:

Chairman Campbell introduced Henry H. Deible, former President and CEO of Community First Bank, and presented him with a Hall
of Fame inductee plaque. Mr. Deible provided brief remarks. Chairman Campbell introduced W. Russell Koerwer, former president
and CEO of Chelten Hills Savings Bank, and presented him with a Hall of Fame inductee plaque. Mr. Koerwer provided brief remarks.
Chairman Campbell introduced Terry Sager, former President and CEO of William Penn Bank who continues to serve on their Board of
Directors, and presented her with a Hall of Fame inductee plaque. Ms. Sager provided brief remarks.

APPROVAL OF MINUTES:

Chairman Campbell reviewed the minutes of the 2018 Annual Membership Meeting. A motion was made and seconded to approve
the minutes as presented. Motion carried.

TREASURER’S REPORT:

PACB Secretary/Treasurer Roger A. Zacharia, President and CEO, Ambler Savings Bank, reviewed the financial statements of PACB
and its subsidiaries. A motion was made and seconded to approve the treasurer’s report as presented. Motion carried.

2020 ANNUAL MEETING | PAGE 8

ELECTION OF OFFICERS AND DIRECTORS:

Secretary Zacharia announced the election results for the PACB Board of Directors. He cast the ballot for
the election of the following officers and directors that were elected by written ballots:

CHAIRPERSON: Jon P. Conklin, President and CEO, Woodlands Bank
CHAIRPERSON-ELECT: Lori A. Cestra, EVP/COO, Enterprise Bank
VICE CHAIRPERSON: Roger A. Zacharia, President and CEO, Ambler Savings Bank
SECRETARY/TREASURER: Timothy P. Snyder, President and CEO, Fleetwood Bank
Area Directors

Area 1: Scott Patton, President and CEO, Mercer County State Bank
Area 2: Michael D. Peduzzi, EVP/CFO, Mid Penn Bank

Asset Group Directors

$0-175M: Charles B. Crawford, President and CEO, Hyperion Bank

$175-400M: Timothy A. Bracken, SVP/CFO, PennCrest BANK
Jeffrey R. Blair, President and CEO, Greenville Savings Bank


$400M +: Kenneth J. Stephon, President and CEO, William Penn Bank
Andrew W. Hasley, President, Standard Bank, PaSB

At-large: Linda Roehner, President and CEO, Hatboro Federal Savings

A motion was made and seconded to validate the election results. Motion carried.

SALUTES:

Secretary Zacharia then read the “Salutes” to honor and thank those Board members whose terms were
concluding as well as the Committee Chairs and Vice Chairs for the past year.

CHAIRMAN’S REMARKS:

Mr. Campbell stated that he is thankful and proud for the opportunity to have served as PACB Chairman
and provided an overview of the legislative advocacy that is ongoing because of all of PACB’s members
efforts. He thanked PACB staff for their strategic thinking and ongoing support of PACB initiatives and
Pennsylvania’s community banks, and noted the future is bright with new president and CEO Kevin Shivers
at the helm. Mr. Campbell thanked the PACB Board of Directors for their engagement, as well as, the Board
of Directors and staff at Altoona First Savings Bank for their support and ability to create a culture of
giving back to their community. Mr. Campbell provided the background to the #DifferenceMaker concept
by reflecting on his upbringing, the unwavering support of his family, and ultimately thanked his wife
Jodie for being the biggest difference maker in his life. He finished by encouraging members to be actively
involved in the PACB, and continue making a difference in their community.

Chairman Campbell then introduced Incoming-Chairman Jon P. Conklin commenting that he is sure that
Mr. Conklin will continue to lead the association towards a bright future.

2020 ANNUAL MEETING | PAGE 9

PACB Mission INCOMING CHAIRMAN’S REMARKS:
Statement:
To promote Mr. Conklin thanked Mr. Campbell for his leadership, passion and steadfast commitment to PACB over
the ideals of the past year and presented him with the Past Chairman’s plaque and pin.
community
banking by Mr. Conklin then introduced himself to the membership. He noted during his tenure as Chairman of
addressing the
educational, PACB he will be focused on leveling the playing field for community banks, advocating for common
legislative and
networking sense regulation, and hosting baseball events around the state to connect community bankers,
needs of our
members. exchange challenges and successes, and groom the next generation of community banking leaders.
Mr. Conklin proceeded to thank his mentors, the Woodlands Bank Board of Directors and employees,
and especially his wife and daughter for their support while he’s out pinch hitting for PACB.




Lastly, Mr. Conklin asked the membership to commit to joining the team and connect with policy

makers and media on legislative advocacy, utilize PACB education and products and services to keep

Pennsylvania’s hometowns strong and vibrant. He encouraged all to join the team and his yearlong

journey to level the playing field.

PRESIDENT AND CEO’S REPORT:

Mr. Shivers provided remarks on how PACB member banks have kept communities together for
centuries. He thanked Mr. Campbell for his service and dedication to being a difference maker.

He then thanked incoming chairman Jon Conklin for his service, noting he looks forward to next year,
and then shared his vision for PACB’s future.

2020 ANNUAL MEETING | PAGE 10

FIRSTPAC COMMITTEE AWARDS

FIRSTPAC Committee Chairman George M. Evans, Chairman, InFirst Bank, highlighted the importance of participation in the PAC
thanking all who participated for their support over the past year. Chairman Evans presented w to the institutions that met their
suggested contribution and participation levels. The following banks received the Team Award, given to those banks with over 25%
of their team contributing to FIRSTPAC:

Altoona First Savings Bank Fleetwood Bank Phoenixville Federal Bank & Trust

Brentwood Bank The Gratz Bank Port Richmond Savings

Community State Bank of Orbisonia Jim Thorpe Neighborhoo d Ba nk Sewickley Savings Bank

Enterprise Bank Jonestown Bank and Tru st Co . Standard Bank, PaSB

First National Bank & Trust Co. of Ne wtow n PennCrest BANK

Pennian Bank

Banks earning the Chairman’s Award for reaching or exceeding their PACB defined FIRSTPAC contribution goal include:

InFirst Bank
Altoona First Savings Bank PennCrest BANK
Brentwood Bank Phoenixville Federal Bank & Trust
Enterprise Bank Standard Bank, PaSB
Fleetwood Bank Woodlands Bank
Jonestown Bank & Trust Co.

Mr. Evans then presented the FIRSTPAC Chairman’s Award plaque to Enterprise Bank, recognizing their involvement in political
advocacy and tireless dedication to supporting candidates friendly to the mission of community banking in Pennsylvania.

Mr. Shivers presented Mr. Evans with a proclamation for his service to FirstPAC, thanking him for his time and dedication to the effort.
He then reported that Chuck Leyh, President and CEO of Enterprise Bank will be the new Chairman of the FirstPAC Committee.

No further business was discussed, and the meeting was adjourned at 9:50 a.m.

Respectfully submitted,
Roger A. Zacharia | Secretary/Treasurer

2020 ANNUAL MEETING | PAGE 11

DIAMOND MEETING SPONSOR

ONE MISSION:
To create and promote an environment where community banks flourish.

The Independent Community Bankers of America® creates and promotes an environment where community
banks flourish. With more than 50,000 locations nationwide, community banks constitute 99 percent of all
banks, employ nearly 750,000 Americans and are the only physical banking presence in one in three U.S.
counties.
Holding more than $5 trillion in assets, more than $4 trillion in deposits, and more than $3.4 trillion in
loans to consumers, small businesses and the agricultural community, community banks channel local
deposits into the Main Streets and neighborhoods they serve, spurring job creation, fostering innovation and
fueling their customers’ dreams in communities throughout America.
ICBA is dedicated exclusively to representing the interests of the community banking industry and its
membership through effective advocacy, best-in-class education, and high-quality products and services.

Contact Information
Joe Schneider
Senior Vice President -State Relations
ICBA
1615 L. Street, NW, Suite 900
Washington, DC 20036
Phn: (800)422-8439 or (202)659-8111
Fax☹202-659-1413
[email protected]

2020 ANNUAL MEETING | PAGE 12

2020 CONSOLIDATED STATEMENTS

Pennsylvania Association of Community Bankers and Subsidiary and Affiliates Consolidated Statements
of Financial Position - Modified Cash Basis As of December 31, 2019 and 2018.

2020 ANNUAL MEETING | PAGE 13

CONSOLIDATED STATEMENTS

AS OF DECEMBER 31, 2019

2020 ANNUAL MEETING | PAGE 14

CONSOLIDATED STATEMENTS

AS OF DECEMBER 31, 2018

2020 ANNUAL MEETING | PAGE 15

To promote the ideals of community banking
by addressing the educational, legislative and
networking needs of our members.

2020 ANNUAL MEETING | PAGE 16

2020 ELECTIONS

EXECUTIVE COMMITTEE Lori A. Cestra, COO/EVP, Enterprise Bank
Roger A. Zacharia, President and CEO, Ambler Savings Bank
Timothy P. Snyder, President and CEO, Fleetwood Bank
CHAIR: Scott D. Patton, President and CEO, Mercer County State Bank
CHAIRPERSON-ELECT:
VICE CHAIRPERSON:
SECRETARY/TREASURER:

AREA DIRECTORS Michael L. Swaney, President and CEO, Sewickley Savings Bank
Charles W. Trump Jr., President and CEO, Director, First Federal S&L Association of Greene Co.
Lori A. Maley, President and CEO, Bank of Bird-in-Hand
AREA 1: Linda Roehner, President and CEO, Hatboro Federal Savings

AREA 2: Louis P. Vuckovich, President and CEO, Slovenian S&L of Franklin/Conemaugh
AREA 3: Mark D. Schreiber, President and CEO, County Savings Bank
Craig A. Zurn, President and CEO, Jim Thorpe Neighborhood Bank
Douglas Byers, EVP, Chief Banking Officer, Prosper Bank
ASSET GROUP DIRECTORS Timothy G. Henry, President and CEO, F&M Trust Co.
Michael R. Harleman, EVP/Director, First Northern B&T Co.
$0-175 MIL:


$0-175 MIL:


$400 MIL +:


EVENT MEETING SPONSOR

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2020 ANNUAL MEETING | PAGE 17

DIAMOND MEETING SPONSOR

Founded as a cooperative by Congress in 1932, we assure the flow of credit to our members and support their
housing finance and community lending businesses. Our products and services enhance our membership’s ability
to conduct business and vitalize their communities.
• 279 Member Institutions Supported
• 234 Employees Strong
• $78.0B Total Assets
• $413M Affordable Housing Program Grants Since 1990

Member Institutions, Total Assets and Employees statistics are as of June 30, 2020. Affordable Housing Program statistics are as of Dec. 31, 2019.

There’s value in membership in FHLBank Pittsburgh. Insurance companies, commercial banks, credit unions,
community development financial institutions and thrifts are significant participants in the housing markets as
lenders, investors and insurers. FHLBank Pittsburgh membership provides ready access to liquidity and other
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FHLBank Pittsburgh delivers products and outstanding, personalized service to help our members realize their
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By delivering on our mission,
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well-being of the communities we serve.
Winthrop Watson | President and Chief Executive Officer

CONTACT INFORMATION
Eric M. Slomer

Director, Marketing and Communications
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[email protected]
www.fhlb-pgh.com

2020 ANNUAL MEETING | PAGE 18

PACB HALL OF FAME

PACB Hall of FameDue to many changes to our 2020 Annual Meeting brought about by the ongoing COVID-19 pandemic, there are no new inductees

for our Hall of Fame this year. We would like to take this opportunity to again recognize those individuals below, who have dedicated
careersInfotyomoauindkavntaoionwncsfioonrmgmetshoaenreecowdmihstomribiusuneteilitgdyibnbleeaxnttokyibeneagri.ninWddueucasterterdyp.inletoastehde 2020 Hall of Fame, please keep them in mind and let us know when the
their to recognize those who have dedicated their career to advancing the

community banking industry.

CLASS OF 1989 CLASS OF 1999 CLASS OF 2011
H. Lyle Duffey*, First National Bank of McConnellsburg William E. Eby, Union National Community Bank Frank Pinto, Pennsylvania Association of
William J. Kristofco*, Portage National Bank
Paul M. Montgomery*, First National Bank of CLASS OF 2000 Community Bankers
Louis Bell*, Hamilton/Reliance Savings Association
Slippery Rock Joseph Bugel*, Great American Federal CLASS OF 2012
William L. Shoap*, Farmers Bank & Trust Company Owen Freeman, Jr.*, Commonwealth State Bank Alex E. Castracane, Sewickly Savings Bank
Flora M. Spinelli, Curwensville State Bank Vincent J. Land, Minersville Safe Deposit Bank &
Marvin D. Stine*, Drovers & Mechanics Bank CLASS OF 2001
Charles H. Meacham, Commonwealth Bank Trust Company
CLASS OF 1990 Ellen Ann Roberts*, First Financial Bank John E. Mariner, First Federal Savings & Loan
Jacob C. Lammey*, Downingtown National Bank Calvin L. Shields*, Northwest Savings Bank
Donald J. Seebold*, First National Bank of Danville Association of Greene County
F. Stuart Straub*, First National Bank of Berwick CLASS OF 2002 Lynn R. Wenger, Jonestown Bank & Trust Company
Norman L. Keller*, Pennview Savings Association
CLASS OF 1991 Frank L. Vogt*, Marquette Savings Bank CLASS OF 2013
Harold C. Bossard*, Bernville Bank & Berks Robert J. McCarthy, Jr., Federal Home Loan Bank
CLASS OF 2003
County Bank John O. Hanna, Northwest Savings Bank of Pittsburgh
Frank Finui*, Peoples Bank & Trust Company Bruce R. Hostler, Reliance Bank Joseph T. Svetik, First Star Bank
John V. Silcox, Bank of Hanover & Trust Company Robert F. Koslow, First Commonwealth Financial
John J. Trojan*, Citizens National Bank of Lansford R. Robert McCoy, First Columbia Bank & Trust CLASS OF 2014
Joseph P. Vargo*, Portage National Bank & Martin Brown, Ambler Savings Bank
Company Bill Schweighofer, Honesdale National Bank
Summit Bank Harold F. Oswald, Jr., First Federal S&L of Bucks Paul Yohn, Community State Bank of Orbisonia

CLASS OF 1992 County CLASS OF 2015
William A. Betz*, New Tripoli National Bank Robert W. Pullo, Waypoint Financial Brent L. Peters*, Bank of Bird-In-Hand
Byron K. Catherman*, Harris Savings Bank Shirley A. Regan, Pennsylvania Association of
Ardie J. Dillen*, Reliance Savings Association CLASS OF 2004
John R. Eppinger*, Main Line Federal Savings Bank Lenus Haines, First National Bank of Newport Community Bankers
Charles T. Evans, Moxham National Bank Allen Kiefer, Heritage National Bank Frederick E. Schea, Penn Community Bank
Frank P. Felton, III*, First American Savings, N.A. James Lauffer*, First National Bank of Herminie
James W. Foust*, Turbotville National Bank John Stefan, Sterling Financial Corporation CLASS OF 2016
Joseph M. Jefferson*, Washington Federal Charles E. Swope*, First National Bank of Chester Dennis D. Cirucci, Alliance Bank
Mark E. Nelson, Union Building & Loan Savings Bank
Savings Bank County Frederick C. Peters, Bryn Mawr Trust Company
Robert B. Rosenberger*, Pennsylvania Association Leon R. Zook, Altoona First Savings Bank
CLASS OF 2017
of Community Bankers CLASS OF 2005 Richard L. Meares, Fleetwood Bank
C.B. “Lee” Shank*, First National Bank of Greencastle Melvin B. Bassi*, Charleroi Federal Savings Bank Larry J. Miller, PeoplesBank, A Codorus Valley
Frances D. Weiss, Union Bank & Trust Company Walter Ciecierski, Mifflin County Savings Bank
Matthew T. Welde*, Commonwealth Federal Walter E. Daller, Jr., Harleysville National Bank Company
Frederick E. Kutteroff, Keystone Savings Bank
Savings Bank CLASS OF 2018
Robert Wheeler*, Grange National Bank of CLASS OF 2006 Frank S. DePaolo, Sharon Savings Bank
Donald S. Guthrie, First Keystone Bank Ronald B. Geib, Harleysville Bank
Wyoming County Frederick A. Marcell, Jr., Willow Grove Bank John D. Hollenbach, First Savings Bank of Perkasie
Paul W. Williams*, First Federal S&L of Hazleton James R. McLaughlin, First National Bank of Richard A. Kunsch, Phoenixville Federal Bank & Trust
Barron “Pat” McCune, Community Bank
CLASS OF 1993 Mifflintown Gary F. Pfahler*, Altoona First Savings Bank
Edward P. Baskeyfield*, Merchants National Bank/
CLASS OF 2007 CLASS OF 2019
Shenandoah Edwin R. “Bud” Maus, Laurel Savings Bank Henry H. Deible, Community First Bank
Harry W. Hintz, Jim Thorpe National Bank Jerry A. Naessens, Roxborough-Manayunk Bank W. Russell Koerwer, Chelten Hills Savings Bank
Gerald T. LaFrance*, Peoples State Bank of John W. “Jack” Ord, Peoples National Bank Terry Sager, William Penn Bank

Wyalusing CLASS OF 2008 * Deceased
Joseph W. Packer, Prudential Savings Bank Michael J. Buchheit, Fidelity Savings & Loan
Rick Cessar, Laurel Savings Bank PACB
CLASS OF 1994 Ronald H. Frey, Fleetwood Bank
James L. Brewer, First Federal S&L Association of Edward J. Molnar, Harleysville Savings Bank
John J. Remaley, Neffs National Bank
Greene County Marelin K. Sites, First National Bank of Mercersburg
Jane C. Deibert, Schuylkill Haven Trust Company
Joel R. Keen*, Prudential Savings Bank CLASS OF 2009
Joseph J. McLaughlin, Beneficial Savings Bank Edward C. Dunkerley*, First United National Bank
Harold A. Queen*, Mauch Chunk Trust Company Dennis Marlo, FHLBank of Pittsburgh
Thomas E. Sheridan, Hawley Bank Scott O’Neil, First Federal S&L of Greene County

CLASS OF 1995 CLASS OF 2010
Jack W. Shader*, Harris Savings Bank Richard K. Arnold, Pennsylvania Association of

CLASS OF 1996 Community Bankers
Edmund Jones, First Keystone Federal Savings Bank John C. Duffey, First National Bank of
Russel R. Walters*, Mifflin County Savings Bank
McConnellsburg
CLASS OF 1997 Willard A. Snyder, New Tripoli Bank
Robert E. Santom, Mars National Bank Ralph J. Sommers, Jr., Community Bank
Robert J. Scuticchio*, Parkvale Savings Bank
Erwin T. Straw, Prime Bank

CLASS OF 1998
Thomas L. Miller, Community Banks, Inc.
Stephen Spolar*, Pittsburgh Home Savings Bank

2020 ANNUAL MEETING | PAGE 19

PACB BOARD MEMBER SALUTES

PACB would also like to thank the following Board Members who are concluding their terms on the
PACB Board of Directors. These distinguished individuals deserve our thanks and appreciation for
their dedication and efforts:

Troy M. Campbell, President and CEO, Altoona First Savings Bank
John T. Coleman, President and CEO, Tioga-Franklin Savings Bank

Scott B. Daum, President and CEO, First United National Bank
Trudy K. Everhart, President and CEO, Community State Bank of Orbisonia

John A. Whitig, III, President and CEO, Iron Workers Bank

PACB COMMITTEE SALUTES

PACB extends its sincere appreciation and thanks to our Chairpersons for their outstanding
personal commitment and service:

Edward T. Martel, Jr., Chairman, Education Committee
Timothy P. Snyder, Chairman, Finance & Budget Committee

Chuck Leyh, Chairman, FIRSTPAC Committee
Chuck Leyh, Chairman, Legislative Committee
Andrew W. Hasley, Chairman, PACB Foundation
Thomas Ondek, Chairman, PACB Services, Inc.

2020 ANNUAL MEETING | PAGE 20

FIRSTPAC CHAIRMAN’S AWARD

Presented to the financial institution that has gone above and beyond the call of duty to participate in the
Pennsylvania Association of Community Bankers (PACB) Political Action Committee.

FIRSTPAC is community banking’s voice.
FIRSTPAC is the only political action committee that exclusively represents community banks in Pennsylvania.

Collectively, our community banks employ tens of thousands of employees across Pennsylvania.
Your contribution to FIRSTPAC allows us to pool our resources so that we may speak as one formidable advocate

for community banking and your customers.

CONTRIBUTE here

2020 ANNUAL MEETING | PAGE 21

FIRSTPAC AWARDS

The following banks will receive the “Team Award”, given to those banks with over 25% of their team contributing
to FirstPAC.

The following banks will receive the “Chairman’s Award”, given to those who have reached or exceeded their PACB
defined FirstPAC contribution goals.

2020 ANNUAL MEETING | PAGE 22

DIAMOND MEETING SPONSOR

About SHAZAM
SHAZAM is a national member-owned debit network, processor and core provider. Founded in 1976, SHAZAM delivers
choice and flexibility to community financial institutions throughout the U.S. and is a single-source provider of the
following services: credit card, debit card, core, fraud, ATM, merchant, marketing, training, risk and ACH.
Boost Your Net Interchange Profitability
Selecting the right network partner may not be at the top of your list – but it should be. Why? Because when you choose
the right partner, your debit card program has the potential to become one of the top non-interest income generators
for your institution.
Too often community financial institutions select a payments network based on its gross interchange rate. And
unfortunately, this doesn’t allow you to see the full story. When you choose the SHAZAM Payments Network, your
potential to earn more net interchange revenue increases.
Our Advice
ALWAYS make sure you’re looking at the full picture and choosing your payments network partner based on net
interchange and not gross interchange. To do so, simply take the gross interchange rate and subtract your issuer fees.
The result is your net interchange. It’s important to us that you make an informed decision.
We’re not accountable to shareholders — we’re accountable to you. From the expertise and influence we deliver
through our work with the Debit Network Alliance and Secure Payments Partnership — to our legislative advocacy and
education work that’s focused on ensuring your success, SHAZAM puts action behind the words. Only when you succeed
— do we succeed.

Contact Information:
John Perry | Director of Regional Sales
2512 Queens Elm Place | Virginia Beach, VA 23454
 (757) 288-9891 | [email protected]

2020 ANNUAL MEETING | PAGE 23

PACB CHAIRMAN’S SALUTE

It is with sincere appreciation that PACB recognizes this year’s Chairman of the Board:

JON P. CONKLIN

President and CEO
Woodlands Bank | Williamsport, PA

Jon came to Woodlands Bank as the Chief Financial Officer in 2010 and has been
in the role of President and CEO since the beginning of 2013.

The PACB Executive Committee, Board of Directors and team is honored to thank
Jon Conklin for his commitment, determination and leadership throughout this year
of epic challenge. Jon brought candor, thoughtfulness, steadiness and a heroic
voice to community banking through a pandemic and economic uncertainty not
seen in decades. His fierce advocacy at both the state and federal level was known
by policy-makers, bankers and centers of influences across the Commonwealth.

Although Jon had planned for a traditional chairmanship, complete with travel across PA to meet personally with you and attend
events across the country to engage with community bankers from every state, COVID-19 required him to turn on a dime to serve us
and the PACB.

Jon quickly pivoted his activity as chair to incorporate virtual connections to create ways conduct business and foster relationships,
while keeping connected with policy-makers and centers of influence to ensure the voice of community banking was heard.

Even through the never-ending challenges of minute-by-minute advocacy and hour-by-hour legislative guidance changes, Jon never
shied away from difficult decisions or conversations. Incorporating his genuine and transparent leadership style, he leaned into
discomfort and stayed focused on what was needed to keep the PACB steady while it navigated through uncharted waters.

Jon met every challenge head-on with commitment, strength, skill and dedication. Dedication to his fellow bankers, the Woodlands
Bank team, PACB and his local community.

PACB thanks Jon’s family for sharing him with us over the past several years and especially during his chairmanship. We know that
Becky and Harper are his biggest supporters and we have enjoyed getting to know them. We promise we will get you to Disney
soon!

PACB expresses its sincere gratitude to the directors and team at Woodlands Bank for allowing Jon to serve and for
their unwavering commitment to PACB and Pennsylvania’s community banking industry.

The PACB Officers, Board of Directors and Team is honored to wish Jon, his family and the Woodlands
Bank continued success, happiness, achievement and prosperity.

2020 ANNUAL MEETING | PAGE 24

UPDATE: ICBA WASHINGTON REPORT

Rebeca Romero-Rainey, President and CEO,
ICBA, Washington, DC

2020 ANNUAL MEETING | PAGE 25

FEATURED SPEAKER - 2020 ANNUAL MEETING

REBECA ROMERO-RAINEY

President and CEO
Independent Community Bankers of America
Washington, DC

ICBA the leading advocacy organization exclusively representing community banks.
She is one of the nation’s foremost advocates of the community banking industry,
with a focus on regulatory reform for our country’s more than 5,000 community
banks. She has met with President Obama and President Trump to discuss issues
that are top of mind for community banks.
A third-generation community banker born and raised in Taos, N.M., Romero Rainey is the former Chairman and CEO of
Centinel Bank of Taos. Upon graduating from Wellesley College, she returned home to Taos with the dream of continuing her
family’s business of running the town’s only local community bank.
Her broader service to the community banking industry began when she joined the board of the Independent Community
Bankers of New Mexico, where she served as president in 2007-2008. She entered the national stage by becoming active
within ICBA and serving on several committees. Rebeca also played a key role in the formation of ICBA’s Minority Bank
Council and served as its first chair. Later, she was nominated to become a member of ICBA’s Executive Committee, and in
2016, became ICBA chair.
Rebeca has also served on the Federal Deposit Insurance Corp. Advisory Committee on Community Banking and the Kansas
City Federal Reserve Community Depository Institution Advisory Council. She has been featured on CSPAN, MSNBC, CNBC,
NPR, and has testified before Congress, and delivered speeches before the Federal Reserve, OCC and FDIC.
She has a long history of community engagement and collaboration among community stakeholders. Rebeca is the co-
founder of the Bridges Project for Education, a nonprofit focused on helping first-generation college students. She was also
selected as Taos Citizen of the Year in 2009 and has been awarded the New Mexico Governor’s Award for outstanding women.
In addition to graduating from Wellesley College, Romero Rainey holds a degree from the Pacific Coast School of Banking.
We greatly appreciate the involvement of ICBA’s President and CEO Rebeca Romero-Rainey in our annual meeting program.

2020 ANNUAL MEETING | PAGE 26

2020 ANNUAL MEETING | PAGE 27

EEEXXXEEECCCUUUTTTIIVIVVEEECCCOOOMMMMMMIITITTTTTEEEEEE 222B000O1119A99-R--222D0002O220F00 BDBBOIOORAAAERRRCDDDTORSThe Pennsylvania Association of Community Banker is pleased to
EXECUTIVE COMMITTEE 2019-2020 BOARDwelcome our new members of our Board of Directors for 2020-2021.

ICIICCBBBAAARRREEEPPP. ..
ICBA REP.

CHAIR CHAIR-ELECT VICE CHAIRMAN SEC/TREAS PRES/CEO IMMED PAST CHAIR Thomas Bailey
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Enterprise Bank, Ambler Savings Bank, WWPoWiWWWWrloleoJdoiiiiosalllollllinadmidiidaaanllePasmammdn.pnnsstCssoddppprBaosstooonna,rBrrBdkntPtta,a,,lkACinPn,PPnEkAkAA,O, Brentwood Bank,
Allison Park, PA Ambler, PA Woodlands Bank, Bethel Park, PA
Williamsport, PA

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Harleysville Bank, PH.arDroisubgulrags, DPaArlington
Harleysville, PA Prosper Bank, PBPPPrhh.aPPPBPePPPPBPPPBPoonDhhrs.ahrhhrrhh.aa.eeekeeeoioonoooooDnnnndDDsssseeu&eeeeekiikkoieoiioinnxxgdnnnnndddnu&vvuu&&iiTleiiiiieeexxtgaiixxxxxggrnllnnnvvvvvvvTulsllaTTltaiieetttaiiiaiirsrrllnlllllDu,sllauuslallasllatFeedeeeeesP,anssnnneD,D,D,tFAttrdCFFFddddP,aP,P,aaleeeeeEiArCAAdrCCrCndddrOlllEeaigEeeEeEiinnnrOlrrrtOOOagaaaoggltlllnttooonnn
CBFECWamhEaEFCWCBiWCCFPBWECFBWCCEBFrlaOnamlmlaaaaEhhmmahEhEhEaieikiiiirlaLrrranOrolllnOaOananOnlmlelmlmlmllmaiemoeikieieikikkitraraaarrrnfnneosnneeemammmmom&ommotrnciCErtrtrnfNxosffsososae,aaam.v/nTCEannCCEECnNPPnnniNNNMOr,mltl,,.mm/...Ar/u//aeliaaa.PPeaePPPPPMoMMMnslttltltDrAs,ernrrAArieetiiitaeoaeeaeasioooniP,oanndsernssshrnrnrntnAlttsiehsisisioaaoaoaddddhnlhhhnlnnllleeeetn/nnntttt////
BEL&BPFmaiarlrLFPB&eoLPF&PBFLBFP&TnnslairsoaiiailrrrellcrtkrrroeTueoenoeimTTsnnnsssedsoCrssosoorcrtcttctumiesuuimiimOotfeodeeCdddCCCsnbsslCn.EesueesOestotuOootOto,DnbomnnbnblmCll.lrCCa..u.PuuutuigttutuDolenDDoombAmmmrea,rraaa.h.i.gdigignenPbaennenbblb,,,thdCAhhidddiiioPaBPPaalallEnCACCACAaBOBBBEnEEEaaaaOkOOOnnnnkkkk
Ed&waTrrdusTt. CMoa.rtel, Jr.,
ESTJJdooVrEESESSJTJunnSwJJJTJTJPdoodoVoodoorVVseeVrr/aunnwBnunnnunwPwtssCPPPrseeeeseseettl/ad//aC/aOotssooCstssCtssCCrrrooOttwwtttdTttCOdCdOCOOoo.mooooo.nnoOwwoOoOOwwwTwwTTM.,s...nn.B.nnnnnbPaM,MMa,,uBABBrBPnPaPtaraaaaaeAgkArArrnnntlnt,t,e&keekkkPlJll,r&,A,&&&.JJJ,rrr...,,,
Standard Bank, PaSB, Trust Co.
Monroeville, PA Jonestown, PA

Coatesville, PA

2020 ANNUAL MEETING | PAGE 28

Join us in

2021

CONVENTION 2021
Will be held September 16-19
At the fabulous
Fairmont Scottsdale Princess
7575 East Princess Drive | Scottsdale, AZ 85255
www.scottsdaleprincess.com

2020 ANNUAL MEETING | PAGE 29

2020

ANNUAL MEETING

September 25, 2020
10:15 a.m. – 1:00 p.m.

To promote the ideals of community banking by addressing the
educational, legislative and networking needs of our members.