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March 27, 2020

Dear Shareholders:

It is hard to believe that another year has passed by so quickly, and with it came so many changes.

We decided to take a look at where we were in 2019, where we wanted to be, and what it would take to get us there.

One thing we asked ourselves is what our role should be within our communities. We have determined that we have an obligation to meet the financial needs of our customers and our communities. We enhanced our products and services in order to ensure that we are meeting those needs.

We have also looked beyond our existing market area to see if there were any neighboring communities that were being underserved in the financial world. This has lead me to a very exciting announcement. We have been approved by the PA Department of Banking to branch to St. Thomas and anticipate opening our doors in July of this year. We are looking forward to meeting and servicing the folks in Franklin County.

Educating and cross training our staff has also been an area that we have been focusing on this past year. This is an ever changing world in which we live and it is imperative that we keep up with it. We have many talented employees and want to provide them with the tools they need in order to assist our customers to the best of their ability.

With all of that being said, it brings us to 2020. This year started off well with high loan demand, significant deposit growth and increased interest in our investment advisory services. We are now in the midst of providing great banking service in creative ways and responding to our communities’ needs during the uncertainty of the COVID-19 pandemic. We are confident we will get through it and come out stronger because of it.

I would like to thank you for your support over the years and look forward to many, many more.

Stay safe and healthy!


Trudy K. Everhart, President/CEO 

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