First Columbia Bank in the News

December 5, 2014 - First Columbia Expands Lending Team

Bloomsburg, PA – First Columbia Bank & Trust Co. recently expanded its mortgage lending team with the promotion of Brooke Pennington to Assistant Vice President and Mortgage Originator.

As a Mortgage Originator, Brooke will help customers secure financing with residential mortgages for purchases and refinancing.

Brooke joined First Columbia Bank in 2010 as a Mortgage Originator Assistant, where she assisted lenders with the mortgage approval process. Brooke has 12 years of experience in banking, with previous management and lending positions at M&T Bank and Belco Community Credit Union in the Harrisburg area.

Paul Page, Executive Vice President and Chief Lending Officer, said, “The expansion of our lending department reflects the continued demand for home financing in our area. Mortgage rates are still very attractive, making home ownership a viable option for many individuals and families.”

Lance Diehl, President & CEO, added, “We pride ourselves for having an all-star team of mortgage lenders at First Columbia. With Brooke’s experience and enthusiasm, she will continue to be a great asset to our lending department—and to our customers.”  

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October 31, 2014 – First Columbia Empowers Local Students To Make Informed Financial Decisions Through Innovative Web-Based Program

Bloomsburg, PA–First Columbia Bank announced today that they certified 157 students in financial literacy during the 2013-2014 school year through the First Columbia Bank Financial Scholars Program. This program is an initiative to bring critical financial literacy education to high school and middle school students across their communities.   

First Columbia Bank has partnered with EverFi, Inc., the nation’s leading education technology company, to bring this interactive, web-based financial management program to high school students at Southern Columbia High School, Benton Middle-Senior High School, Millville Junior Senior High School, and Central Columbia High School—at no cost to the schools or taxpayers.  An impressive 93% of students, who used this program in their classes, reached certification in financial management.  Furthermore, the students increased their scores by an average of 21% on the program’s post assessments compared to pre-assessment levels, signifying their mastery of complex financial topics such as financing higher education, taxes, budgeting and investing.

Powered by EverFi technology, the web-based learning high school platform uses the latest in new media technologies – video, animations, 3-D gaming, avatars, and social networking – to bring complex financial concepts to life for today’s digital generation. High school students become certified in over 200 topics in financial education, allowing them to become more informed, responsible citizens. 

“From the small rural towns to major cities across the US, EverFi technology is literally transforming how students learn, and we are incredibly grateful for the public-private partnerships that make this possible,” said EverFi CEO Tom Davidson. “First Columbia Bank is critical to the success of our mission to ensure that these cutting-edge tools reach all communities.”

First Columbia Bank’s Marketing Director, Maria Valles, added, “As a local community-minded business, we are committed to doing all we can to support our youth and help them succeed. The EverFi program is one way to help prepare students for the many financial decisions and responsibilities that lie ahead.”

The Financial Scholars Program is a 10-unit course that offers 6-8 hours of programming aimed at teaching, assessing and certifying students in a variety of financial topics including credit scores, insurance, credit cards, student loans, mortgages, taxes, stocks, savings, 401k’s and other critical concepts that map to national financial literacy standards.  The learning platform tracks knowledge gain as well as students’ attitudes and behaviors on these important issues.  Students who successfully complete the course receive certification in Financial Literacy, a valuable mark of distinction on college applications and resumes. 

About First Columbia Bank
First Columbia Bank & Trust Co. has been Columbia County’s community bank for over 115 years. With more than $621 million in assets as of June 30, 2014, First Columbia offers a full complement of banking and financial services to individuals and businesses throughout Columbia County and the surrounding area. The locally owned and managed bank operates thirteen branch offices in the communities of Benton, Berwick, Bloomsburg, Buckhorn, Catawissa, Elysburg, Lightstreet, Orangeville, Millville, and Scott Township.

About EverFi  
EverFi, Inc. is the leading education technology company focused on teaching, assessing, and certifying K-12 and college students in the critical skills they need for life. The company teams with major corporations and foundations to provide the programs at no cost to K-12 schools. Some of America’s leading CEOs and venture capital firms are EverFi investors including Amazon founder and CEO Jeff Bezos, Twitter founder Evan Williams, Rethink Education, New 
Enterprise Associates, Inc. (NEA), and Tomorrow Ventures (the investment arm of Google Chairman Eric Schmidt).  Learn more at www.everfi.com.

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October 28, 2014 - CCFNB Bancorp, Inc. Reports Third Quarter 2014 Earnings

Bloomsburg, PA – CCFNB Bancorp, Inc. (OTC: CCFN), parent company of First Columbia Bank & Trust Co., has released  its unaudited financial statements for the third quarter of 2014. 

Net income, as reported under U.S. Generally Accepted Accounting Principles, for the nine months ended September 30, 2014 was $4,852,000 compared to $4,851,000 for the same period in 2013.  Earnings per share for the nine months ended September 30, 2014 and 2013 were $2.23 and $2.22, respectively.  Annualized return on average assets and return on average equity were 1.03% and 8.32% for the nine months ended September 30, 2014 as compared to 1.04% and 8.61% for the same period of 2013.

The net interest margin, tax effected, on interest earning assets was 3.33% at September 30, 2014 as compared to 3.31% as of September 30, 2013.

Total assets amounted to $631.7 million at September 30, 2014 as compared to $624.0 at December 31, 2013.  Since the end of 2013, investment securities decreased $8.0 million while net loans not held for sale increased 4.6% or $17.0 million.  Over the same time period, loans held for sale decreased $9.3 million as the volume of originations decreased and several residential loans, originated in 2013, were reclassified to our in house portfolio.   Total deposits increased $1.8 million while short term borrowings increased $6.9 million since the end of 2013. 

When compared to December 31, 2013, stockholders’ equity, excluding accumulated other comprehensive income, has increased $2.0 million to $78.3 million as of September 30, 2014. The current level of stockholders’ equity equated to a book value per share of $36.36 at September 30, 2014 as compared with $34.71 as of December 31, 2013.  For the nine months ended September 30, 2014 cash dividends of $1.03 per share were paid to stockholders as compared to $1.01 for the same 2013 period.  CCFNB Bancorp, Inc. remains well capitalized, with an equity-to assets ratio of 12.5% as of September 30, 2014 and 12.2% at December 31, 2013.

Note: This press release may contain forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995.  Actual results and trends could differ materially from those set forth in such statements due to various factors.  These factors include operating, legal and regulatory risks; changing  economic and competitive conditions and other risks and uncertainties.

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September 22, 2014 - First Columbia Bank Expands Leadership Team

Bloomsburg, PA — First Columbia Bank & Trust Co. recently expanded its senior leadership team with the promotion of three employees in September.

Mr. Paul Page has been promoted to Executive Vice President and will continue his role as First Columbia’s Chief Lending Officer, overseeing all Retail and Commercial Lending.

Mr. Jeffrey Arnold has also been promoted to Executive Vice President.  In addition to continuing his position as the Bank’s Chief Financial Officer, Mr. Arnold’s duties have been expanded to include Electronic Banking and Deposit Operations, Information Technology, and Human Resources.

Mr. Jeffrey Whitenight received a promotion to Senior Vice President.  He will be responsible for Loan Operations and Branch Administration.

Lance Diehl, President & CEO commented, “Our goal is to build a solid leadership structure that ensures continued first-rate service to our customers and that helps us reach our strategic objectives.” Diehl added, “These individuals have been key contributors to the bank, and I am very proud to have them as part of my leadership team going forward.” 

First Columbia Bank & Trust Co. has been Columbia County’s community bank for over 115 years. With more than $621 million in assets as of June 30, 2014, First Columbia offers a full complement of banking and financial services to individuals and businesses throughout Columbia County and the surrounding area. The locally owned and managed bank operates thirteen branch offices in the communities of Benton, Berwick, Bloomsburg, Buckhorn, Catawissa, Elysburg, Lightstreet, Orangeville, Millville, and Scott Township.

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September 17, 2014 - First Columbia Bank & Trust Company honored with the Grow Your Community Award

Harrisburg, PA – The Pennsylvania Association of Community Bankers (PACB) is pleased to announce that First Columbia Bank & Trust Company has recently been named a winner of the PACB Grow Your Community Award. First Columbia Bank & Trust Company has been awarded the President's Award in recognition of their involvement with the Kidsburg Comeback Campaign. Through their work with this program, the bank has helped to make their community stronger and have enriched the lives of those who live and work in the community.

Dedication to continuous development of the community coupled with Community Banks’ relationship-centered business model are some of the better known characteristics that serve to elevate Community Banks throughout Pennsylvania far above those financial institutions that are controlled from a distance. 

“Making a difference in the lives of people in very real ways is what community banking is all about,”  said PACB President and CEO, Nick DiFrancesco. The Grow Your Community Award was established as a way to recognize those banks that go above and beyond to exceed normal business practices and impact their communities in meaningful ways. In a time when many of our friends and neighbors are struggling, community banks and their employees have stepped up and challenged the status quo to support charities and community events that will improve the lives of those who live and work in the community.

About PACB:  In January 1992, the Community Bankers of Pennsylvania (chartered in 1973) and the Pennsylvania Association of Savings Institutions (chartered in 1877) consolidated their resources and membership to form the Pennsylvania Association of Community Bankers (PACB). PACB represents, exclusively, the interests of almost 200 community banks across the state of Pennsylvania. Despite the differing structural makeup of our member institutions (commercial banks, savings banks & thrifts), they all share a strong commitment and philosophy — meeting the financial needs of their community and citizens through hometown, quality service. PACB and its members believe that “community” banks are better able to serve their local area than financial entities whose policies are not set locally and thus may not meet local needs. What sets community banks apart is their commitment to keeping the people of their communities first in the list of considerations for every financial decision they make. 

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August 25, 2014 - CCFNB Bancorp, Inc. Board Appoints Two New Directors

Bloomsburg, PA – CCFNB Bancorp, Inc. (OTC: CCFN), the parent company of First Columbia Bank & Trust Co., today announced  the Boards of Directors of each institution unanimously approved the appointments of Edwin A. Wenner and Brian D. Klingerman as new members of the Boards of Directors of CCFNB Bancorp, Inc. and First Columbia Bank & Trust Co.  The appointments will be effective October 1, 2014.

Mr. Wenner has been employed by the Bank since 1974 and will be retiring effective September 19, 2014.  He has been serving as Executive Vice President and Chief Operating Officer since 2003. During his tenure he has held positions as Teller, Technology Director, Internal Auditor, Loan Officer, Community Office Manager, Credit Administrator, Vice President and Senior Vice President. Mr. Wenner, until his retirement, has direct supervision over deposit operations, loan operations, information technology, human resources, training, security and branch administration. Mr. Wenner was appointed as a Class 1 Director with a term expiring in 2017.

Mr. Klingerman is a 1992 graduate of Central Columbia High School and a 1996 graduate of Lehigh University with a B.S. in Business and Economics majoring in Accounting.  He resides in the Bloomsburg area with his wife Kathy and their three daughters Hannah, Grace, and Ava.  Mr. Klingerman is Executive Vice President of JDK Management Co., Inc., President of Columbia Ancillary Services, Inc., and a member of both the Central Columbia School Board and Central Columbia Education Foundation.  Mr. Klingerman was appointed as a Class 2 Director with a term expiring in 2016.

“Ed Wenner has been a tremendous asset to our company” stated Glenn E. Halterman, Chairman of the Board.  “His more than forty years of experience in the banking industry will be invaluable in assisting our Company reach its strategic growth objectives.” Regarding Brian D. Klingerman, Lance O. Diehl, President & CEO, stated, “Having served as both a community and business leader in Columbia County and Central Pennsylvania for over 20 years, Brian will help to provide continuity of leadership and experienced business judgment as we begin to prepare for the transition of our longer serving directors to retirement in the next few years.”

CCFNB Bancorp, Inc. is the parent company for First Columbia Bank & Trust Co.  The Company’s stock trades over the counter under the symbol CCFN.  First Columbia Bank & Trust Co., with assets of over $621 million, is a full-service commercial bank headquartered in Bloomsburg, Pennsylvania with offices in Bloomsburg, Elysburg, Catawissa, Millville, Benton, Orangeville, and Berwick.  The Bank focuses on meeting the specialized needs of small to medium-sized businesses and professionals in Central Pennsylvania.  For additional information, please contact us (570) 784-1660 or online at www.firstcolumbiabank.com.

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August 5, 2014 - CCFNB Bancorp, Inc. Reports Second Quarter 2014 Earnings

Bloomsburg, PA – CCFNB Bancorp, Inc. (OTC: CCFN), parent company of First Columbia Bank & Trust Co., has released its unaudited financial statements for the second quarter of 2014.
Net income, as reported under U.S. Generally Accepted Accounting Principles, for the six months ended June 30, 2014 was $3,212,000 compared to $3,171,000 for the same period in 2013. Earnings per share for the six months ended June 30, 2014 and 2013 were $1.47 and $1.45, respectively. Annualized return on average assets and return on average equity were 1.02% and 8.31% for the six months ended June 30, 2014 as compared to 1.02% and 8.39% for the same period of 2013.

The net interest margin, tax effected, on interest earning assets was 3.36% at June 30, 2014 as compared to 3.25% as of June 30, 2013.

Total assets amounted to $621.6 million at June 30, 2014 as compared to $624.0 at December 31, 2013. Since the end of 2013, investment securities increased $264 thousand while net loans not held for sale increased 1.6% or $5.9 million. Over the same time period, loans held for sale decreased $8.8 million as the volume of originations decreased and several residential loans, originated in 2013, were reclassified to our in house portfolio. Total deposits increased $9.7 million while short term borrowings decreased $11.2 million since the end of 2013.

When compared to December 31, 2013, stockholders’ equity, excluding accumulated other comprehensive income, has increased $1.2 million to $77.5 million as of June 30, 2014. The current level of stockholders’ equity equated to a book value per share of $36.63 at June 30, 2014 as compared with $34.71 as of December 31, 2013. For the six months ended June 30, 2014 cash dividends of $.685 per share were paid to stockholders as compared to $.67 for the same 2013 period. CCFNB Bancorp, Inc. remains well capitalized, with an equity-to assets ratio of 12.5 % as of June 30, 2014 and 12.2% at December 31, 2013.

Note: This press release may contain forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Actual results and trends could differ materially from those set forth in such statements due to various factors. These factors include operating, legal and regulatory risks; changing economic and competitive conditions and other risks and uncertainties.

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June 10, 2014 - First Columbia Helps Music Programs Sing with 100 C Notes

Millville, PA - Strong attendance at the First Columbia Teen Star Musical Competition finale, coupled with a generous donation from its debit card processing vendor, Vantiv, added up to more than $10,000 that First Columbia Bank was able to donate to the music departments at local high schools this year.  All ticket sale proceeds from the June 1^st finale were distributed to the 12 finalists’ high schools, and the Vantiv donation was distributed equally to the home schools that had students audition for the competition.  The bank is currently making visits to each school to present the donations.

In addition, the bank awarded prize money to the top finalists. New this year, two Teen Star winners were chosen—a Teen Star Vocalist and a Teen Star Instrumentalist.  Keeyan Zimmerman, a senior at Millville Area High School, claimed the instrumentalist title with his electrifying and crowd energizing original drum solos. Alexis Seiger, a junior from Millville High School, sang two emotionally charged songs that propelled her to the top vocalist spot. Zimmerman and Seiger each received $1,500 as the top awards. Second place finisher, Andrew Miller from Berwick High School, earned $750 with his moving, self-composed piano arrangements, and Jordan Marolf from Bloomsburg High School placed third and won $350 with his mesmerizing theatrical style.

First Columbia Bank & Trust Co. sponsors this event annually to promote the performing arts among the young people of the community and to support the music programs in the area schools.  Lance Diehl, President & CEO explains, “Teen Star is a great event for a great cause. We are grateful to all the Teen Star fans in our schools and in our community who came to the finale. The fact is the more that come out to enjoy the show, the more money we are able to raise for our schools.” Over the past four years, First Columbia Bank has awarded $20,000 in prize money to finalists and raised more than $20,000 from ticket proceeds and donations for the high school music departments at each of our area schools.

Learn more about this annual event on Facebook at https://www.facebook.com/firstcolumbiateenstar or on the bank’s website at www.firstcolumbiabank.com

First Columbia Teen Star donation of $3,126.00 to Millville High School’s music department and presentation of the Teen Star traveling trophy.        Pictured: Seated front row: Alexis Seiger, 1st Place Teen Star Vocalist; Seated at drums: Keeyan Zimmerman, 1st Place Teen Star Instrumentalist; Back row from left to right: Ted McCaffery, Millville HS Band Director; Leslie Chyko, FCBT Assistant Vice President; Maria Valles, FCBT Marketing Director; Eric Stair, Millville HS Principal; Lance Diehl FCBT President & CEO; and Carolyn Sweeney, Millville HS Music Teacher.

June 9, 2014 – Community Bankers Turn Spotlight on Young Musicians

Bloomsburg, PA - Musically gifted teens from Columbia County took the stage on June 1^st to compete for the 2014 First Columbia Teen Star title.  Following the American Idol format, Teen Star is a musical competition among high school students across Columbia County sponsored annually by First Columbia Bank & Trust Co. The competition, now in its fourth year, was held at Bloomsburg University’s Mitrani Hall in the Haas Center for the Performing Arts. The finale drew nearly 800 fans to cheer on the finalists as they performed for a panel of judges from the music and entertainment industries. Guest judges included Christian Porter, contestant from last year’s Season 4 of  The Voice;  Paul Smith, former member of the local band The Badlees and recording studio technology professor at Susquehanna University; Brittny Sparrow, former Miss Central Pennsylvania; and Bobby Gale, longtime radio personality at WHLM.

New this year, two Teen Star winners were announced—a Teen Star Vocalist and a Teen Star Instrumentalist.  Keeyan Zimmerman, a senior at Millville Area High School, claimed the instrumentalist title with his electrifying and crowd energizing original drum solos. Alexis Seiger, a junior from Millville High School, sang two emotionally charged songs that propelled her to the top vocalist spot. Zimmerman and Seiger each received $1,500 as the top awards. Second place finisher, Andrew Miller from Berwick High School, earned $750 with his majestic, self-composed piano arrangements, and Jordan Marolf from Bloomsburg High School placed third and won $350 with his mesmerizing theatrical style.

First Columbia Bank & Trust Co. sponsors this event annually to promote the performing arts among the young people of the community and to support the music programs in the area schools.  On the community-banking front, Lance Diehl, President & CEO explains, “In the crowded field of banking it is sometimes difficult to stand apart from competitors and be heard. Teen Star is not only a wonderful platform for these young talented musicians, but it echoes the bank’s strong commitment to the communities that we serve. It is a win-win for these kids, their schools and the entire community.” The bank donates 100% of the ticket proceeds to the finalists’ high school music departments. Over the past four years, the bank has given $20,000 to the schools.  In a surprise announcement at the show, the bank’s payment processing vendor, Vantiv, generously donated an additional $5,000 to distribute among the music departments—essentially doubling the donation to the schools this year.

The finalists were:

• Rachel Yohe, Central Columbia High School
• Andrew Miller, Berwick Area High School
• Carlynn Wolfe, Berwick Area High School
• Shannon Carey, Millville Area High School
• Cassie Rumbough, Central Columbia High School
• Jordan Marolf, Bloomsburg Area High School
• Gina Abraczinskas, Central Columbia High School
• Keeyan Zimmerman, Millville Area High School
• Abigail Goble, Benton Area High School
• Alexis Seiger, Millville Area High School
• Lyell Hintz, Bloomsburg Area High School
• Yazmine Cooley, Berwick Area High School
• Madison Steward, Berwick Area High School

Learn more about this annual event on Facebook at https://www.facebook.com/firstcolumbiateenstar or on the bank’s website at www.firstcolumbiabank.com

First Columbia Bank & Trust Co. has been Columbia County’s community bank for over 115 years.  With more than $624 million in assets, First Columbia offers a full complement of banking and financial services to individuals and businesses throughout Columbia County and the surrounding area.  The locally owned and managed bank operates thirteen branch offices in the communities of Benton, Berwick, Bloomsburg, Buckhorn, Catawissa, Elysburg, Lightstreet, Orangeville, Millville, and Scott Township.

May 16, 2014 – Teen Stars Aim To Turn Chairs

Bloomsburg, PA - From a field of 46 high school vocalists and instrumentalists, twelve talented teens from Columbia County have been selected by audition judges and are headed to the First Columbia Teen Star Musical Competition finale slated for June 1^st at 2:00 PM at Bloomsburg University’s Haas Auditorium.  The finalists are:

1. Jordan Marolf, Bloomsburg High School
2. Shannon Carey, Millville High School
3. Cassie Rumbough, Central Columbia High School
4. Yazmine Cooley, Berwick High School
5. Gina Abraczinskas, Central Columbia High School
6. Lyell Hintz, Bloomsburg High School
7. Alexis Seiger, Millville High School
8. Abigail Goble, Benton High School
9. Andrew Miller, Berwick High School
10. Rachel Yohe, Central Columbia High School
11. Carlynn Wolfe, Berwick High School
12. Keeyan Zimmerman, Millville High School

First Columbia Bank & Trust Co sponsors this popular musical event annually to promote the performing arts among the young people of the community and to support the music programs in area schools.  Fashioned after the TV show American Idol®, Teen Star is a musical competition among high school students across Columbia County.  At the final event, 12 talented teens perform for the audience and a panel of judges from the music and entertainment industries. 

Among the guest judges is Christian Porter, singer/songwriter from Stroudsburg and contestant from last year’s season 4 of NBC’s “The Voice” who will also perform during the show. Joining Christian at the judge’s table is Bobby Gale, longtime WHLM radio personality and host of the station’s Solid Gold shows; Brittny Sparrow, former Miss Central PA and previous director of the Miss Greater Berks County Scholarship Organization; and Paul Smith of the band Gentlemen East, former member of The Badlees, and manager of Event Technical Services at Susquehanna University, as well as adjunct faculty member in the Music Department.

The bank also announced this year that two teen stars will be chosen—a Teen Star Instrumentalist and a Teen Star Vocalist—and each will win $1,500. Lance Diehl, President & CEO, explains, “We made this change based on feedback from previous contestants and judges who felt it was difficult to judge the two music styles in the same manner. Our goal here is to level the playing field and make the competition more engaging for instrumentalists too.”  Over the past three years, more than 200 high school musicians have stepped up to audition. Since the show’s debut, the bank has awarded $15,000 in prize money and donated more than $10,000 in ticket proceeds to the music programs at local schools.

Also returning this year are the Next Generation Teen Star Singers.  This group of middle school students will sing together as a special performance during the show. It is a chance for them to share in the excitement and fun of Teen Star.   

Tickets to the event are $5. All proceeds are donated to the music departments at the finalists' high schools.  Tickets are available at any of First Columbia Bank’s 13 community banking offices or at the door the day of the show.

First Columbia Bank & Trust Co. has been Columbia County’s community bank for over 115 years.  With more than $624 million in assets, First Columbia offers a full complement of banking and financial services to individuals and businesses throughout Columbia County and the surrounding area.  The locally owned and managed bank operates thirteen branch offices in the communities of Benton, Berwick, Bloomsburg, Buckhorn, Catawissa, Elysburg, Lightstreet, Orangeville, Millville, and Scott Township.  More information about this event can be found on facebook at www.facebook.com/firstcolumbiateenstar and at the bank’s website at www.firstcolumbiabank.com.

April 22, 2014 – CCFNB Bancorp, Inc. Reports First Quarter 2014 Earnings

Bloomsburg, PA – CCFNB Bancorp, Inc. (OTC: CCFN), parent company of First Columbia Bank & Trust Co., has released  its unaudited financial statements for the first quarter of 2014. 

Net income, as reported under U.S. Generally Accepted Accounting Principles, for the three months ended March 31, 2014 was $1,584,000 compared to $1,697,000 for the same period in 2013.  Earnings per share for the three months ended March 31, 2014 and 2013 were $0.73 and $0.78, respectively.  Annualized return on average assets and return on average equity were 1.01% and 8.25% for the three months ended March 31, 2014 as compared to 1.11% and 9.04% for the same period of 2013.

The net interest margin, tax effected, on interest earning assets was 3.34% at March 31, 2014 as compared to 3.39% as of March 31, 2013. 

Total assets remained at $624.0 million at March 31, 2014 and December 31, 2013.  Since the end of 2013, investment securities increased $5.1 million while net loans decreased 1.7% or $6.5 million.  Total deposits decreased $7.8 million while short term borrowings increased $7.0 million since the end of 2013.

When compared to December 31, 2013, stockholders’ equity, excluding accumulated other comprehensive income, has increased $668 thousand to $76.9 million as of March 31, 2014. The current level of stockholders’ equity equated to a book value per share of $35.30 at March 31, 2014 as compared with $34.71 as of December 31, 2013.  For the three months ended March 31, 2014 cash dividends of $0.34 per share were paid to stockholders as compared to $.33 for the same 2013 period.  CCFNB Bancorp, Inc. remains well capitalized, with an equity-to assets ratio of 12.3 % as of March 31, 2014 and 12.2% at December 31, 2013.

Note: This press release may contain forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995.  Actual results and trends could differ materially from those set forth in such statements due to various factors.  These factors include operating, legal and regulatory risks; changing economic and competitive conditions and other risks and uncertainties.

April 21, 2014 – First Columbia Bank Names New Vice President

Bloomsburg, PA – Tabitha McCormick joins the First Columbia Bank Deposit Operations and Electronic Banking group.

Tabitha brings a diverse background and innovative approach to business processes. Tabitha holds a B.A. from Dickinson College and is a Certified Public Accountant, Certified Fraud Examiner, and Certified Forensic Accountant. She is also the author of accounting and ethics training programs for Thomson Reuters. Prior to joining First Columbia, Tabitha owned and operated Cornerstone Accounting in Millville for ten years.

Lance Diehl, President & CEO, noted, “Tabitha’s experience as a local small business owner, coupled with her accounting and analytical skills, will be valuable as we continue to offer responsive, convenient and technology-driven services to our customers.”   

McCormick added, “I am thrilled to be part of the team at First Columbia, and I look forward to helping the bank continue to provide exceptional banking services to this community.”

Tabitha and her husband Jerrold live in Mt. Pleasant Township and are the parents of two children.  

First Columbia Bank & Trust Co. has been the area’s community bank for more than 115 years. The Bank continues to leverage new technology to meet customers’ banking preferences with online and mobile banking; an online mortgage center; and a suite of business services including customized payment processing systems and remote deposit capture.

Tabitha McCormick  Vice President, Deposit Operations & Electronic Banking

March 26, 2014 - First Columbia Bank Names New Loan Operations Manager

Bloomsburg, PA – Benjamin J. Clark joins First Columbia Bank & Trust Co. as Vice President and Loan Operations Manager. Ben is responsible for directing all aspects of loan servicing—from loan application through the life of the loan. Clark commented, “A community bank that provides locally-based servicing for its loan portfolio is a tremendous benefit to customers. I am excited to be a part of an organization committed to local and responsive service.”

Ben has more than 10 years of banking experience, including several years each at Wells Fargo Financial and Dollar Bank as a Credit Manager and Branch Manager.  Prior to joining First Columbia, Ben served as a Bank Auditor and Tax Preparer at Larson, Kellet and Associates.  Lance Diehl, First Columbia’s President & CEO, noted, “We look forward to the added expertise Ben brings as we work to efficiently navigate the complex nature of current and upcoming lending regulations.” 

Ben holds a B.A. in Mathematics with a Minor in Business from Messiah College. He lives in Millville with his wife, Brynn, and two young children.

First Columbia Bank & Trust Co. has been Columbia County’s community bank for over 115 years. With more than $624 million in assets as of December 31, 2013, First Columbia offers a full complement of banking and financial services to individuals and businesses throughout Columbia County and the surrounding area. The locally owned and managed bank operates thirteen branch offices in the communities of Benton, Berwick, Bloomsburg, Buckhorn, Catawissa, Elysburg, Lightstreet, Orangeville, Millville, and Scott Township.

December 2, 2013 - First Columbia Goes to the Dogs—and Cats

Bloomsburg, Pa – Community-focused employees and generous customers of First Columbia Bank & Trust Co. recently held their annual pet supply collection campaign to support the good work of local pet rescue organizations. Donations were distributed to PA Pets, SPCA, Animal Resource Center, Mostly Mutts, Greyhound Rescue, Purrfect Love, Fabulous Felines, and Paws Crossroads.The Bank’s goal was to provide these organizations, which depend on private donations and volunteers, with needed supplies to feed and care for the animals they serve.  In addition to hundreds of canned and dry foods, treats, leashes, litter and toys, the bank collected monetary donations as wellF.irst Columbia Bank & Trust Co., with assets exceeding $625 million, has been serving the financial needs of the area since 1899.  The locally owned and managed bank operates thirteen branch offices in Benton, Berwick, Bloomsburg, Buckhorn, Catawissa, Elysburg, Lightstreet, Orangeville and Millville.

Pictured left to right – Gretchen Frye from Greyhound Rescue with rescue dogs and Sally Tucker, Marketing Assistant Vice President from First Columbia Bank & Trust Co.

October 19, 2013 - First Columbia Cooks and Plays Together

Bloomsburg, Pa - In addition to being a local community bank providing a variety of financial services to friends and neighbors, First Columbia Bank and Trust Co. employees and their families are often seen helping out at various community events in the area.  On Saturday, October 19, 2013, employees were busy preparing and serving food at one end of Bloomsburg—and throwing out the first ball at the Annual Bocce Bash at the other end at Bloomsburg University.

 A group of employees and their family members volunteered to provide the weekly Community Friendship Meal at the Wesley United Methodist. Members of the community are treated to a hot nutritious meal and enjoy fellowship with old friends and new.  First Columbia Bank & Trust employees have been volunteering to serve these meals twice a year, and each year we have new volunteers who want to help with this fun and rewarding community outreach project. 

Some employees like to take part in the more entertaining endeavors that the bank undertakes.  First Columbia Bank employees collect money for various non-profit organizations throughout the year.  The Special Olympics was just one of those deserving organizations.  This year Boris presented employee donations totaling $625 to the Special Olympic athletes who thanked him by allowing him the privilege of throwing the first ball of the competition. 

Pictured Left to Right – Pam Young, Andrea Ortman, Joanna Dillon, Bryce Ortman, Sally Tucker, Brandon Ortman, Andrea Bartlett, Josh Bartlett, Faith Smith,  Leslie Chyko, Isabelle Chyko (Absent from Picture – Taylor Farr, and Michelle Densberger, Lacey Densberger, Sabrina Bankes, Kaylee Dillon, Susan and Dave Celli and Kelly and Tanner Fensch)

May 31, 2013 - Students Take Over First Columbia Bank

Bloomsburg, PA - Ed Wenner, Executive VP and Chief Operating Officer of First Columbia Bank & Trust Co., was pleased to share his duties with the third grade students of L. R. Appleman Elementary School from Benton. Students toured the Lightstreet Office of First Columbia Bank & Trust Co. where bank employees gave them a behind the scenes look at the inner workings of a bank.  

Students exceeded a goal in raising money for Camp Victory by reading books and earned a tour of the oldest bank in Bloomsburg. For their efforts, First Columbia Bank & Trust Co. treated students to a pizza party at the Columbia Park following their tour. 

May 21, 2013 - American Idol's Got Nothin' on this Community Bank

Bloomsburg, PA - From a field of 44 contestants, twelve talented teens from Columbia County took the stage on May 19^th to compete for the 2013 title of First Columbia Teen Star. Fashioned after the popular TV show, American Idol®, Teen Star is a musical competition among high school students across Columbia County, sponsored annually by First Columbia Bank & Trust, Co. At the final event, these brave and talented teens performed at Bloomsburg University's Haas Auditorium for more than 800 cheering fans and a panel of judges from the music and entertainment worlds. Guest judges were Ilya Blinov, Music Professor at Susquehanna University; Rusty Foulke from the longtime local rock band, Hybrid Ice; Mike Lewis, Nashville-based country singer with ties to Northeastern PA; and Monica Madeja, WBRE news anchor.  The finalists included:

First Columbia Bank & Trust Co., located in Columbia County, sponsors this event annually to promote the performing arts among the young people of the community and to support the music programs in the area schools.

Dante Green, a sophomore at Bloomsburg High School, claimed the 2013 Teen Star title. For his winning performance, Dante received the top prize of $2,500, plus a chance to try-out for the real American Idol®. Second place finisher, Abigail Goble from Benton High School, earned $1,000. And, Kristen Broadt, a violinist from Bloomsburg Christian School, placed third in the competition, receiving a $500 prize.

First Columbia Bank donated all proceeds from ticket sales to the music departments at the finalists' high schools. First Columbia Bank President & CEO, Lance O. Diehl, says, "This musical competition provides our area youth with a unique opportunity to share their musical talents. It is just one way the bank shows its support for our young people, our schools, and the performing arts." Diehl added, "Although we could easily just write out a check to show support for our schools' music programs, hosting an event like this gives these kids a terrific opportunity to build their confidence, showcase their talents-and have a whole lot of fun." Over the past three years, First Columbia Bank has awarded $15,000 in prize money and donated more than $10,000 to the music programs at local schools.

First Columbia Bank & Trust Co. has been Columbia County's community bank for over 110 years. With more than $616 million in assets, First Columbia offers a full complement of banking and financial services to individuals and businesses throughout Columbia County and the surrounding area. The locally owned and managed bank operates thirteen branch offices in the communities of Benton, Berwick, Bloomsburg, Buckhorn, Catawissa, Elysburg, Lightstreet, Orangeville, Millville, and Scott Township. 

May 3, 2013 - First Columbia Collects for Babies in Need 

Bloomsburg, Pa - First Columbia Bank employees collected supplies for Your Loving Choices, Inc. located in Bloomsburg.  Your Loving Choices, Inc. is a Christian ministry promoting life as given from God, offering loving support to those facing unplanned pregnancies, providing education about the life-giving options of adoption and parenting, conveying healing to those traumatized by abortion, and advocating abstinence as the only true prevention of sexual crises.

As with most non-profit organizations, they rely on generous gifts and donations from the public.  In addition to monetary gifts, they are always looking for items to put in diaper bags for new members to help them with the necessities required to take care of newborn babies.

Employees collected items from the agency’s “wish list” and delivered the supplies to them to be put in diaper bags for new mother’s that come to them for assistance.

April 23, 2013 - Area Bankers Receive Years of Service Awards

Bloomsburg, PA- Luanne Bittenbender, Janice C. Dreese, LouAnn Megargell and Shirley Wagner of First Columbia Bank & Trust Co., Bloomsburg, were recognized for serving 40 or more years in the banking industry at the Pennsylvania Bankers Association (PBA) Group 4 meeting held on April 23, 2013 at the Williamsport Country Club, Williamsport, PA. The 40-Year Club consists of bankers completing 40 or more years of service in Pennsylvania's banking industry and who are regular members of the PBA.

Ms. Bittenbender began her banking career in 1973 with Columbia County Farmers National Bank of Orangeville. Positions she held include teller, Customer Service Representative, IRA Administrator and Human Resources Director. She is currently Assistant Vice President and Security and Training Officer of First Columbia Bank.

Ms. Dreese began her banking career in 1971 with Tri-County National Bank, Middleburg. She has held positions of Secretary to the President and Chairman of the Board and Corporate Secretary. She is currently Vice President, Assistant Secretary and Trust Officer of First Columbia Bank.

Ms. Megargell began her banking career in 1973 with Columbia County Farmers National Bank, Orangeville. She has held positions of bookkeeper, computer processor, and teller and is currently Senior Teller at First Columbia Bank & Trust Co., Orangeville.

Ms. Wagner began her banking career in 1972 with Berwick National Bank, Berwick. She has held positions as a receptionist and teller. She is currently a teller at First Columbia Bank & Trust Co., Berwick.

The Pennsylvania Bankers Association, located in Harrisburg, is the state's major banking trade association representing an expansive and diverse membership. The Association offers extensive continuing education programs, government relations representation on behalf of the industry, and provides numerous products and services for banks and their employees.

December 13, 2012 - $50,000 Donation to Rebuild KIDSBURG Playground

Bloomsburg, PA - First Columbia Bank's mascot, Boris the Bankasaurus, took a page from Santa's playbook today as he joyfully donated $50,000 to the Kidsburg 2.0 committee's Play It Forward campaign for rebuilding the Kidsburg playground, destroyed in last year's flood.

Lance Diehl, President and CEO of First Columbia, commented, "After the flood of 2011 destroyed Kidsburg, I talked with many families from Bloomsburg - as well as from our surrounding communities - who lamented over the loss. They recalled what a great place it was for their young children to enjoy and felt there was nothing quite like it anywhere else in this area." Diehl added, "Kidsburg was really a playground that benefited the entire region. We are happy to help restore this special place for the children of our communities."

The Kidsburg playground was a centerpiece of the Bloomsburg Town Park, drawing families from the entire Columbia- Montour region here to play and mark special celebrations for over 20 years. Having lost Kidsburg after last year's flood, and already experiencing one summer without it, people are longing for Kidsburg to rebuilt as soon as possible. The new Kidsburg will be made of sustainable materials and be located on higher ground. Designed and inspired with the help of children, it will serve an even broader population as a regional jewel, continuing to reflect why people consider Kidsburg to be "everybody's playground."

"We are immensely grateful for this significant donation from First Columbia," commented Deb Huckans, coordinator of the Kidsburg 2.0 committee. "A local champion for the community, First Columbia reflects how individuals and business leaders can make their own impact starting with this 2012 season of giving to Play It Forward for Kidsburg."

Paul Page, the bank's Chief Lending officer, explained, "Community banks exist to support the local areas they serve -  not only through banking and financial services, but philanthropically too. Donations such as this are just one way we demonstrate our support and give back to our community."

Boris the Bankasaurus added, "Our children are most important and investing in them is a priority for us. Making sure they have a fun and safe place to play makes this community a better place for our children and their families."

About First Columbia Bank: First Columbia Bank & Trust Co. has been Columbia County's community bank for over 110 years. With more than $644 million in assets, First Columbia offers a full complement of banking and financial services to individuals and businesses throughout Columbia County and the surrounding area. The locally owned and managed bank operates thirteen branch offices in the communities of Benton, Berwick, Bloomsburg, Buckhorn, Catawissa, Elysburg, Lightstreet, Orangeville, Millville, and Scott Township.

About Kidsburg 2.0: Kidsburg 2.0 is a community group operating under the non-profit 501(c)(3) status of the Bloomsburg Town Park Improvement Association. All donations are tax deductible. Donate securely from the BTPIA website: http://www.bloomsburgpa.org/government/park.htm. Donate by check: payable to "BTPIA/Kidsburg 2.0", c/o BTPIA, PO Box 432, Bloomsburg, PA 17815. Join our Facebook group: search "Kidsburg 2.0" (www.facebook.com/groups/Kidsburg). For more information about Kidsburg 2.0, please visit www.kidsburg.org.
 

December 6, 2012 - Matthew Beagle Earns CERTIFIED FINANCIAL PLANNER™ Certification

Bloomsburg, PA – Matthew Beagle has obtained his CERTIFIED FINANCIAL PLANNER™ (CFP®) designation, a distinguished designation in the financial services industry awarded to financial advisors who have met strict standards for experience, knowledge and ethical conduct. Matt is a financial advisor with LPL Financial located at First Columbia Financial Services in Bloomsburg, Pa.

"Financial advisors and clients respect the CFP® certification because it designates advisors who have demonstrated a thorough understanding of financial advising and a commitment to conducting business at a high standard," said Beagle. "I am honored to be included among the advisors who have earned the CFP® designation."

Matt is a graduate of Millville High School and received his Law and MBA degrees from Wake Forest University. He is a coach for the Bloomsburg Little League and volunteers with the Bloomsburg Public Library, American Red Cross, and Downtown Bloomsburg, Inc. Matt also serves as an Adjunct Instructor at Bloomsburg University.

CERTIFIED FINANCIAL PLANNER™ certifications are awarded by the Certified Financial Planner Board of Standards Inc. To qualify for certification, advisors must complete the CFP® Board-Registered Education Program and pass the CFP® Certification Examination, a 10-hour test to assess their ability to apply financial planning knowledge to client situations. They must also have at least three years of work experience in a qualifying area of the financial planning process and pass the CFP® Board's Fitness Standards for Candidates and Registrants. The screening process is rigorous to ensure only the most qualified candidates achieve the CFP® designation.

To find out more about the CFP® designation and the certification process, visit the Certified Financial Planner Board of Standards' website at www.cfp.net.

Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured First Columbia Bank & Trust Co. deposits and are not FDIC/NCUA insured. These products are not obligations of the First Columbia Bank & Trust Co. and are not endorsed, recommended or guaranteed by First Columbia Bank & Trust Co. or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. First Columbia Financial Services and First Columbia Bank & Trust Co. are not registered broker/dealers and are not affiliated with LPL Financial.

October 9, 2012 - First Columbia Bank Employees Embark on Day of Discovery

Millville, PA – First Columbia Bank's nearly 200 employees gathered at Camp Victory in Millville for a day of discovery, learning and team building. Columbus Day, a traditional bank holiday, was a unique opportunity to bring together bank employees from 14 locations across Columbia and neighboring counties.

The event, branded as Discovery Day, served to reinforce the company's commitment to its employees, customers, and the communities it serves. Lance Diehl, President & CEO of First Columbia Bank explained, "Our company has grown considerably in recent years and we were determined to figure out a way to get the entire First Columbia Team together. The day focused on maintaining a strong team atmosphere and delivering great customer service - both of which are essential to the continued success of the bank." Another aspect of the day centered on the bank's commitment to the community. Mr. Diehl noted, "We felt it was important to have a conversation about supporting our community and why it is such an integral part of who we are as a local business and a community bank." The group discussed the bank's 2011 flood recovery efforts and the First Columbia Teen Star musical competition, which has become the bank's signature event to support the performing arts and the area's youth. Ed Wenner, Chief Operating Officer, added, "In addition to learning more about the inner-workings of the bank, employees had a chance to meet or reunite with colleagues from other branches and departments that they don't typically work with on a daily basis."

The day also included interactive team building exercises led by the Quest Leadership Development Program of Bloomsburg University; a health and wellness session from Highmark Blue Shield; and a keynote address on customer service presented by Harry Strausser III, President of Remit Corporation.

September 12, 2012 - First Columbia Continues to Support Local Charities in Flood Recovery

Bloomsburg, PA - Saturday, September 8, 2012, more than 2,000 people from our community came together to commemorate a year of rebuilding, recovering and tremendous resilience - and to thank those who worked tirelessly to assist with the clean up after the destruction of Tropical Storm Lee.

Bloomsburg University dedicated its first home game, with free admission for all, to those groups and individuals that were a part of the flood clean up and recovery. As the corporate sponsor of the game, First Columbia employee volunteers collected donations to help local organizations continue to provide emergency aid, along with help and encouragement to those still faced with homelessness, unemployment, and food and clothing needs.

At halftime, three teams competed in a friendly pass and punt contest. Each of the teams was competing for a charity that would receive a portion of the donations collected. In all, generous fans donated nearly $1,000 - with First Columbia rounding that amount up to $1,500. Checks were then given to the Red Cross, the Salvation Army, and AGAPE to help these organizations continue to meet the needs of the community. As a corporate citizen, First Columbia Bank will continue to support the good works of local charities to enable them to help rebuild lives affected by unfortunate circumstances.

First Columbia Bank & Trust Co. has been Columbia County's community bank for over 100 years. With more than $615 million in assets, First Columbia offers a full complement of banking and financial services to individuals and small businesses throughout Columbia County and the surrounding area. The locally owned and managed bank operates thirteen branch offices in the communities of Benton, Berwick, Bloomsburg, Buckhorn, Catawissa, Elysburg, Lightstreet, Orangeville, Millville, and Scott Township.
 

August 31, 2012 - First Columbia Teen Stars Set to Light Up the Night

Bloomsburg, PA - First Columbia Bank & Trust Co. is pleased to announce that the 2012 First Columbia Teen Star Finalists will showcase their musical talents on the Free Stage at the Bloomsburg Fair on Sunday, September 23rd from 7:00 – 8:00 pm. Teen Star Finalists have also been invited to sing the National Anthem to open nightly shows at the Fair Grandstand.

Performing for fairgoers will be several of the 12 finalists from the annual local musical competition that was held earlier this year at the Haas Center on the campus of Bloomsburg University. First Columbia Bank is the proud sponsor of this "American Idol®-like" event, which was created to provide support for the performing arts and give musically talented young people an opportunity to showcase their skills and abilities.

The finalists include high school students from across Columbia County who were chosen from a field of nearly 40 contestants. They will entertain the audience with their music - and at the same time show the level of talent and ambition that exists among the young people of our community. Audiences will enjoy listening to both vocal and instrumental performances, with a genre ranging from contemporary music to show tunes. Hosting the show will be Doug Farley from Metrocast Communications.

First Columbia Bank & Trust Co. has been the area's community bank for over 100 years. With more than $615 million in assets, First Columbia offers a full complement of banking and financial services to individuals and small businesses throughout Columbia County and the surrounding area. The locally owned and managed bank operates thirteen branch offices in the communities of Benton, Berwick, Bloomsburg, Buckhorn, Catawissa, Elysburg, Lightstreet, Orangeville, Millville, and Scott Township.
 

May 7, 2012 - Aaron Kelly to Judge Local Teen Star Competition

Bloomsburg, PA - Sonestown's own American Idol® celebrity, Aaron Kelly, moves from center stage to the judge's table. Aaron will be performing - and serving as a celebrity guest judge - at the 2nd Annual First Columbia Teen Star musical competition on Sunday, May 20th at 2:00 pm at the Haas Center on the campus of Bloomsburg University. This is Aaron's second year judging the "Idol-like" musical competition where twelve Columbia County high school finalists compete for a $2,500 first place prize, with $1,000 and $500 going to the second and third place finishers, respectively.

First Columbia Bank & Trust Co., located in Columbia County, sponsors this event annually to promote the performing arts among the young people of the community and to support the music programs in the area schools.

This year, 37 brave and talented high school students auditioned. From this group, three audition judges selected twelve finalists. The finalists are:

• Keeyan Zimmerman, Millville Area High School
• Megan Wyckoff, Central Columbia High School
• Dante Green, Bloomsburg Area High School
• Morgan Fry, Columbia Montour Vo-Technical School
• James Steigerwalt, Benton Area High School
• Carlynn Wolfe, Berwick Area High School
• Alexis Seiger, Millville Area High School
• Leah Bergstrom, Benton Area High School
• Lydia Young, Southern Columbia Area High School
• Dimitrius Marinos, Benton Area High School
• Hannah Weidner, Central Columbia High School
• Abigail Goble, Benton Area High School

Aaron will be one of three judges. Also judging the competition will be WBRE morning news anchor, Kyla Campbell and Associate Music Professor at Bloomsburg University, Todd Campbell.

Tickets are just $5.00 and are available at any of First Columbia Bank's 13 community banking locations, or at the door on the day of the show. Tickets may also be ordered in advance by calling First Columbia Bank at (570) 387-7174. All ticket proceeds from the show will be donated to the 2012 First Columbia Teen Star finalists' high school music departments. Tickets are general admission and are first come, first serve. Doors open at 1:00 pm.

First Columbia Bank President & CEO, Lance O. Diehl, says, "This musical competition provides our area youth with a unique opportunity to showcase their musical talents. It is just one way the bank shows its support for our young people, our schools, and the performing arts." Mr. Diehl added, "Last year, having Aaron Kelly as a celebrity guest judge really helped to bring out supporters. We are excited to have him back again, and we look forward to an even greater turnout this year."

First Columbia Bank & Trust Co. has been Columbia County's community bank for over 100 years. With more than $620 million in assets, First Columbia offers a full complement of banking and financial services to individuals and small businesses throughout Columbia County and the surrounding area. The locally owned and managed bank operates thirteen branch offices in the communities of Benton, Berwick, Bloomsburg, Buckhorn, Catawissa, Elysburg, Lightstreet, Orangeville, Millville, and Scott Township.
 

May 7, 2012 - First Columbia Bank Sheds Bright Light on Data Security

Bloomsburg, PA - Earlier this spring, First Columbia Bank & Trust Co. invited the data security firm, Reclamere, to meet and talk with its business customers about the importance of data security for their own companies.

The bank hosted this seminar to broaden awareness of data security issues among its business customers. Specifically, First Columbia wanted to help business customers understand where they might have gaps; show them ways to strengthen their data security controls; and lastly, offer them guidance on where to get additional help in assessing and managing data security risks.

Karen Brouse, Vice President of Internal Audit at First Columbia, said, "Data security is an issue that all of our customers face. This was a unique opportunity to get them thinking about how they protect their own business and customer information."

Joseph Hartford, who is the founder of the Pennsylvania-based Reclamere, led the seminar. First Columbia's President & CEO, Lance Diehl, said, "Joe's presentation was both engaging and thought provoking. He was able to take a complex topic like data security and explain the implications for small businesses in a clear and meaningful way."

Much of the discussion centered on the fact that every company is at risk. Joe, from Reclamere, explained, "It's no longer just big companies who are the target of cyber criminals. The reality is that small businesses with less secure systems are often the most vulnerable." Joe also noted that in his experience, some of the most significant threats today are surfacing in the healthcare and education systems so those organizations need to be extra diligent.

Because the seminar was well-received by the customers who attended, First Columbia is considering having Reclamere back again - perhaps later this year - to meet with a broader group of business owners throughout the community. First Columbia Bank has worked closely with Reclamere in the past to develop its own policies for protecting business and customer information. Reclamere also currently handles the bank's computer system recycling and data destruction for its aged computer equipment.

Reclamere, Inc., based in Southeast Pennsylvania, is a data security company offering a full range of specialized IT Asset Management and Information Security Services. Founded in 2001, Reclamere is a leader in providing client-focused, environmentally compliant management solutions for end-of-life computer equipment and data destruction services.

First Columbia Bank & Trust Co. has been the area's community bank for over 100 years. With more than $620 million in assets, First Columbia offers a full complement of banking and financial services to individuals and small businesses throughout Columbia County and the surrounding area. The locally owned and managed bank operates thirteen branch offices in the communities of Benton, Berwick, Bloomsburg, Buckhorn, Catawissa, Elysburg, Lightstreet, Orangeville, Millville, and Scott Township.
 

March 27, 2012 - First Columbia Bank Appoints New Head of Marketing

Bloomsburg, PA - First Columbia Bank & Trust Co. today announced the appointment of Maria Valles, Vice President and Marketing Director. Maria will lead the bank's marketing and communications initiatives, working to broaden awareness of the bank's full range of banking and financial solutions.

Maria brings more than 20 years of financial services marketing experience. Before joining First Columbia, she served as an independent consultant, providing marketing services to leading financial and insurance companies. Prior to her consulting work, Maria spent 15 years with Prudential Financial in Scranton, PA and at the firm's headquarters in Newark, NJ. During her tenure there, Maria held the position of Vice President of Marketing for Prudential's Institutional Services division where she worked to advance the firm's positioning in the business-to-business marketplace. Maria also served as the Director of Marketing for Prudential Retirement Services, overseeing business development, market research and client communications. Earlier in her Prudential career, Maria served as Chief of Staff to the President of the retirement division with responsibility for strategic research, business planning and corporate communications.

Maria holds a B.S. in Business Management from Indiana University of Pennsylvania and an M.B.A. from the University of Scranton. Maria knows this area well, having spent most of her childhood here and graduating from Millville High School. In recent years, Maria returned to her hometown and currently lives on her family's farm with her husband, Todd, and their two young boys.

First Columbia Bank & Trust Co. has been the area's community bank for over 100 years. With more than $620 million in assets, First Columbia offers a full complement of banking and financial services to individuals and small businesses throughout Columbia County and the surrounding area. The locally owned and managed bank operates thirteen branch offices in the communities of Benton, Berwick, Bloomsburg, Buckhorn, Catawissa, Elysburg, Lightstreet, Orangeville, Millville, and Scott Township.
 

March 23, 2012 - First Columbia's Catawissa Branch gets an "Extreme Branch Makeover"

Bloomsburg, PA - First Columbia Bank & Trust Co. announces the opening of its new Catawissa branch office on Monday, March 26 at 8:30 a.m. This office, located at 347 Main Street, is adjacent to the bank's existing office. The newly constructed 3,000 square foot facility is a full-service branch offering banking, loans and financial services for both individuals and businesses. The branch will be staffed with the same team of tellers and customer service representatives who will continue to serve the banking and financial needs of the Catawissa community.

The current office hours and address will remain the same. The existing office will close as scheduled on Saturday, March 24 at 12:00 p.m. There will be no interruption to services with the exception of ATM services, which will not be available for a brief period on Saturday from 1:00 p.m. to 5:00 p.m. As an added convenience, the branch has expanded its outside banking capabilities, which now include two drive-thru lanes, a night depository, and a walk-up ATM. Ample customer parking is also available behind the new building.

Long time branch manager, Mike Coleman, says, "This new branch is a dramatic improvement from our previous office. The building not only improves the image of Main Street, with its traditional brick architecture and town clock tower, but it also brings many added elements of convenience to our customers." Lance O. Diehl, First Columbia's President and CEO, commented, "This facility is a professional, state-of–the-art banking center that we are proud to offer to our valued customers. We believe that rebuilding here, in the heart of downtown Catawissa, also serves to reinforce our continued commitment to serving the banking and financial needs of this area." Diehl also added, "We look forward to celebrating a grand re-opening with our customers and the entire Catawissa community once we complete demolition of the existing office, and put the final touches on our new office."

First Columbia Bank & Trust Co. has been the area's community bank for over 100 years. With more than $620 million in assets, First Columbia offers a full complement of banking and financial services to individuals and small businesses throughout Columbia County and the surrounding area. The locally owned and managed bank operates thirteen branch offices in the communities of Benton, Berwick, Bloomsburg, Buckhorn, Catawissa, Elysburg, Lightstreet, Orangeville, Millville, and Scott Township.

September 16, 2011 - First Columbia Bank & Trust Co. Donates a Total of $100,000 to Area Organizations

Bloomsburg, PA - In response to the worst flooding in the area in 100 + years, First Columbia Bank & Trust Co. announced it has donated a total of $100,000 to area organizations to help with flood relief efforts locally.

The following area organizations have received donations:

• American Red Cross Disaster Relief - (Designated to our local communities.)
• AGAPE
• Salvation Army

"These have been trying times for our entire area which has been affected by the flood. It has impacted our customers, employees, families, neighbors and friends," said Lance O. Diehl, President and Chief Executive Officer of First Columbia. "Our intention is to help these community organizations facilitate the delivery of basic human needs, helping to ease some of the burden."

In addition, First Columbia has also initiated special loan programs to help local flood victims during this crisis. These loan programs are available for homeowners, renters and business owners affected by the recent flooding. All loan programs are subject to credit approval.

August 30, 2011 - First Columbia Bank & Trust Breaks Ground for New Catawissa Office

Bloomsburg, Pa - Lance O. Diehl, President and CEO of First Columbia Bank & Trust Co., is pleased to announce the Bank held a ground breaking event on Tuesday, August 30, 2011 for a new branch office in Catawissa. The new 2,990 square foot office will be constructed at 347 Main Street, Catawissa; it will replace First Columbia's current branch office in Catawissa.

"While customers enjoy the convenience and remote access of modern banking technologies like Internet banking, telephone banking, and remote deposit capture, all of which First Columbia Bank offers, we believe these services can only compliment, but never replace, the personal human touch and service only people can provide through a branch location," said Diehl. "For this reason, First Columbia will continue its commitment to the brick and mortar branches."

The new facility will continue to be fully staffed, including tellers, a customer service representative and a branch manager. Outside, the facility will offer two drive-in lanes, a night depository, as well as a walk-up ATM.

July 6, 2011 - First Columbia Bank Appoints Jeffrey Whitenight to Loan Administration Manager Position

Bloomsburg, PA - Edwin A. Wenner, Executive Vice President and Chief Operating Officer of First Columbia Bank & Trust Co., is pleased to announce the appointment of Jeffrey A. Whitenight, Vice President, to the position of Loan Administration Manager.

Formerly a Commercial Lender/ Agriculture Specialist at the Benton office, Whitenight will now work out of the Central Road Operations Center at 992 Central Road in Bloomsburg.

"Jeff brings years of solid experience in lending to this new position," said Wenner. "First Columbia is fortunate to have someone with his talent and expertise managing the loan processing and servicing areas of the organization."

Whitenight received his Bachelors degree from Penn State University and his MBA from Bloomsburg University. He is member of the Board of Directors for both the Columbia County Farm Bureau and the United Way of Columbia County. Whitenight is also an active 4-H leader.

A native of the Benton area, Whitenight and his wife Melissa have two children.

July 1, 2011 - First Columbia Bank Appoints Jean MacDermott to Commercial Lending Position

Bloomsburg, PA - Paul K. Page, Senior Vice President and Chief Lending Officer of First Columbia Bank & Trust Co., is pleased to announce the promotion of Jean MacDermott to the position of Vice President and Commercial Lender/Business Development Officer.

Formerly a Mortgage Specialist/Consumer Lender, MacDermott has over 24 years of banking experience in Columbia County. She will now join the commercial lending team, working out of the Benton Office at 200 Market Street, Benton.

MacDermott has held various other positions within the organization including Customer Service Officer, Loan Processor and Assistant Community Office Manager.

"All of us at First Columbia feel fortunate to have Jean on our commercial lending team," said Page."Her extensive background in banking and her dedication to her community are attributes that fit in so well with First Columbia's community-focused style of banking. I'm sure our commercial customers will be well served by Jean. "

A resident of Benton, Jean is a graduate of Benton High School and Harcum Junior College. She is a member of St. James United Church of Christ and is active in the Benton Lions Club.

Jean and her husband David have one son, Keith.

First Columbia Bank & Trust Company: A Preeminent Example of Community Banking

June 2011 - Bauer Financial, Inc., Coral Gables, Florida, the nation's leading bank rating and research firm, is pleased to announce that First Columbia Bank & Trust Company, Bloomsburg, Pennsylvania has not only endured the latest financial crunch, but has emerged as a preeminent example of community banking.

With this, Bauer Financial bestows its highest 5-Star Superior rating on First Columbia Bank & Trust. This rating denotes the highest level of strength and performance that a bank can receive. In fact, First Columbia Bank & Trust has earned this 5-Star Superior rating for the last nine consecutive quarters.

"There are so many factors that go into our ratings that to list them all here would be impossible", according to Karen L. Dorway, president of the research firm. "Suffice it to say that with its impressive capital levels, an enviable loan portfolio and low delinquent loan levels, First Columbia Bank & Trust demonstrates the epitome of community banking."

Established in 1899, First Columbia Bank & Trust has been proudly handling the banking needs of its neighbors and friends for 112 years. It currently operates through 13 conveniently located offices in Columbia and Northumberland counties and can also be found on the Internet at www.firstcolumbiabank.com.

First Columbia Bank & Trust: "Your 5-Star Community Bank."

Bauer Financial, Coral Gables, Florida, the nation's leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution pays Bauer Financial to rate it, nor can any choose to be excluded.

USDA Rural Development Recognizes First Columbia Bank & Trust Co. to Highlight National Home Ownership Month. This year's theme - Rural Housing/Rural Jobs

Bloomsburg, Pa. – June 21, 2011 – USDA Rural Development-Pennsylvania has joined a national effort, conducted in communities across the country, to highlight National Home ownership Month 2011 and the work USDA Rural Development and its lender partners have done to increase home ownership opportunities for rural Americans. First Columbia Bank & Trust Co., Bloomsburg was presented with a Certificate of Appreciation for its participation in Rural Development's Section 502 Guaranteed Rural Housing Program . The presentation was made by Joanne Miller, Rural Development Area Specialist to Mortgage Originators, Jean MacDermott, Pam Young, Michelle Densberger, Rick Talanca and Mortgage Underwriter, Cid Beagle accepting on behalf of First Columbia Bank & Trust Co.

"Home ownership is a major part of the foundation for stronger, more prosperous rural areas," said Tom Williams, Pennsylvania Rural Development State Director. "Rural residents continue to achieve the dream of home ownership through programs like the Section 502 Guaranteed Loan program, and it is the partnership of lenders like First Columbia Bank & Trust Co. with the program that make it happen," added Williams.

According to the National Association of Realtors, the sale of a median-priced home ($173,000 in 2010) generates $58,529 in economic activity. This includes $15,570 in direct real estate industry impacts, $5,235 in furniture, home furnishings sales, etc. and $9,987 in stimulated economic activity. New home sales generate even more economic activity, which includes construction jobs and materials.

Rural Development's Section 502 Guaranteed Loan program currently has adequate, available funding to assist eligible low and moderate income applicants in eligible areas to purchase new or existing houses by guaranteeing their loan made by conventional lenders. Loans may be made for up to 100% of the appraised value of the property plus a one-time guaranteed fee of 3.5% of the loan amount that is charged to the lender. No mortgage insurance is required. In Fiscal Year 2010, USDA Rural Development – Pennsylvania guaranteed over $434 million in housing loans.

USDA Rural Development serves as the lead federal agency for rural development needs by offering financial and technical assistance to individuals, businesses and communities. USDA Rural Development programs include funding for day care centers, fire trucks and other community facility projects; the purchase, construction or repair of homes; loans and guarantees to rural businesses to save or create jobs and renewable energy; and loans and grants for water and sewer utility projects.

May 4, 2011 - FIRST COLUMBIA BANK & TRUST CO. ANNOUNCES THE FINALISTS FOR THE FIRST COLUMBIA TEEN STAR MUSICAL EVENT

BLOOMSBURG, PA - Lance O. Diehl, President and Chief Executive Officer of First Columbia Bank & Trust Co. is pleased to announce the finalists for the 1st Annual First Columbia Teen Star musical event. The event will be held at 2:00 pm on Sunday, May 22, 2011 at Haas Auditorium on the campus of Bloomsburg University. Doors open at 1:00 pm.

2011 First Columbia Teen Star Finalists
Leah Bergstrom, Benton Area High School
Alex Cove, Southern Columbia Area High School
Nick Cove, Southern Columbia Area High School
Tom Fish, Berwick Area High School
Morgan Fry, Columbia/Montour Vocational Technical School
Benjamin Ikeler, Millville Area High School
Phoebe Kishbaugh, Central Columbia High School
Chelsea Pruitt, Berwick Area High School
James Steigerwalt, Benton Area High School
Madison Steward, Berwick Area High School
Hannah Weidner, Central Columbia High School
Keeyan Zimmerman, Millville Area High School

"First Columbia Bank & Trust Co. is proud to sponsor this event that will showcase the musical talent of the high school students in Columbia County" stated Diehl. "With the overwhelming response to the event so far, this will definitely become an annual event."

Prizes for the First Columbia Teen Star musical event will be awarded to 1st through 12th place winners in the competition. Prize awards range from $2,500 to $100, depending on the place awarded.

General admission tickets for the First Columbia Teen Star musical event on Sunday, May 22, 2011 are available for purchase at any of First Columbia Bank's 14 community banking locations. Cost for tickets is $3.00 each. Proceeds from the show will be donated to a local charity; the charity will be selected by the First Columbia Teen Star overall winner.

CCFNB BANCORP AND LUZERNE NATIONAL BANK CORPORATION ANNOUNCE AGREEMENT FOR LUZERNE TO ACQUIRE HAZLETON BRANCH

March 25, 2011 - Bloomsburg, PA and Luzerne, PA - CCFNB Bancorp, Inc. ("CCFNB"), parent company of First Columbia Bank & Trust Co. ("First Columbia"), and Luzerne National Bank Corporation ("Luzerne National"), parent company of Luzerne Bank, today jointly announced that they have entered into an agreement providing for Luzerne Bank to acquire the Hazleton branch office of First Columbia with approximately $17.1 million in deposits. Under the terms of the agreement, Luzerne Bank will assume certain deposits associated with the branch office and acquire the branch facility and equipment.

"We are very pleased to have reached an agreement with First Columbia Bank and Trust to assume the business of the Hazleton office." said Robert C. Snyder, President and Chief Executive Officer of Luzerne National and Luzerne Bank. "Luzerne Bank's 104 year history testifies to the strength and stability of our organization. Our goal is to offer our new Hazleton customers increased convenience and sound financial products, while continuing to meet the high standards of excellence and community involvement to which Luzerne Bank has always been committed."

Lance O. Diehl, President and Chief Executive Officer of CCFNB and First Columbia added: "We are pleased that the deposit relationships associated with the Hazleton branch, which was determined to serve a market area falling outside of our strategic plan, will be assumed by a community bank like Luzerne Bank, ensuring that our deposit customers will continue to receive the attention they deserve."

The transaction is subject to a number of conditions, including the receipt of approval by regulatory authorities. It is anticipated to close mid-2011.

About CCFNB Bancorp, Inc.

CCFNB Bancorp, Inc. is the parent company of First Columbia Bank & Trust Co., a full-service community bank operating fourteen branch offices in Columbia, Luzerne and Northumberland Counties, Pennsylvania. With total assets of approximately $614 million, CCFNB's common stock is quoted on the Over-the-Counter Bulletin Board under the symbol "CCFN."

About Luzerne National Bank Corporation

Luzerne National Bank Corporation is the parent company of Luzerne Bank, a full-service community bank operating seven offices in Luzerne, Lackawanna and Wyoming Counties, Pennsylvania. With total assets of approximately $280 million, Luzerne National's common stock is quoted on the Over-the-Counter Bulletin Board under the symbol "LUZR."

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