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Some experts believe the delivery of financial services is generic… we respectfully disagree. We strive to make you feel like you’ve never experienced better service than you do from us. We won’t treat you like a number, and we certainly aren’t just interested in your transaction. We offer financial solutions – plural. We’re interested in you, your goals, and what matters in your world.

We’re proud of our team of bankers and how hard they work for our clients and communities. We’re at your service and you can count on our team. Our responsibility is to help you. Our privilege is to find the right solution for your specific wants and needs. We promise to make you feel extraordinary attention, confidence, and ease in every relationship with our organization.

We look forward to taking care of you.

Terri Belliveau
Trust Officer 937-324-6950 email
Andy Birch
Mortgage Lender 937-324-6854 email
Rachel Brewer
Retirement Services 937-324-6915 email
John Brown
President 937-324-6877 email
Vicki Cardiff
Manager, Xenia Office 937-372-9211 email
Malcolm Davis
Commercial Cash Management 937-324-6839 email

“I pride myself on being dependable. When you need me, I’m going to be there for you.”

Dawn Poole
Indirect Lender 937-372-9212 email
Dustin DeMoss
Manager, Northridge Office 937-390-3088 email
Brad Ditto
Commercial Lender 937-436-5005 email

“Relationships are essential in banking. Listening, understanding your business needs, and honest communication are my top priorities. I am as passionate about my clients as they are about their business.”

Jackie Folck
Lender 937-324-6809 email
Peg Foley
Trust Officer 937-324-6905 email
Thom Goodfellow
Commercial Lender 937-324-6880 email

“After 25 years with the bank, I’m known for giving sound financial advice. My clients appreciate a genuine response from a real person.”

Angel Gwinn
Manager, Park Layne Office 937-849-1331 email
Missy Hallmark
Assistant Portfolio Manager 937-324-6812 email
Cathy Hill
Assistant Vice President, Trust Officer 937-324-6912 email
Jason Hill
Commercial Cash Management 937-324-6831 email

“I listen to your needs and suggest solutions that will benefit your business. You can count on me to work with you every step of the way. I want to be sure you understand how to use our tools and will provide ongoing support whenever you need it.”

Carla Hughes
Manager, Jamestown Office 937-675-0283 email
Tom Keehner
Commercial Lender 937-324-6801 email

“I’m more than your banker. I’m a trusted advisor. I help my clients through thick and thin and support you if things don’t go as planned.”

Amanda Knott
Trust Office Manager 937-324-6938 email
Courtney Knott
Manager, Springboro Office 937-790-4070 email
James Kreckman
Trust Officer 937-324-6888 email
Rick Lewis
Commercial Lender 937-845-3812 email

“I am fortunate to work with a team that has an average of 20 years lending experience. Match that with the level of service I take pride in providing and I am confident we will provide you with an in-depth approach that is second to none.”

Brian Nott
Commercial Lender 937-324-6808 email

“I make every client feel like they’re my only customer. I give them all my attention with local decisions, quick answers, and I help them reach their goals.”

Andrew Peyton
Commercial Lender 937-429-2392 email

“No two businesses are the same. I create a personal relationship with each business owner, and put myself in their shoes to know their needs.”

Carl Puckett
Commercial Lender 937-790-4085 email

“I never take for granted the trust my clients have placed in me to help them with their business. As a business owner myself, I have an honest understanding of the business process and can personally relate to the needs of my business clients.”

Pat Rastatter
Commercial Lender 937-324-6864 email

“I’m going to fully understand your business. I’m going to take the time to understand your challenges and how you make money. You’re going to get a lot more than just a salesperson. You’re going to get a partner who can help you with your business.”

Natasha Ridenour
Lender 937-653-1229 email
Dave Snyder
Commercial Lender 937-653-1222 email

“I strive to provide quick answers, honest opinions and advice with extensive knowledge of our local community.”

Mike Warnecke
Commercial Lender 937-324-6944 email

“I’m a good listener. I’m hands on. I like to feel it, touch it, see it. I’m involved. If my client is passionate about it, I’m passionate about it too.”

Jeff Williams
Manager, Scioto Street Office 937-653-1208 email