Leadership Team

Almost a Century of Change...

Chartered on October 24, 1907 with a capital stock of $25,000, First Northern Bank & Trust officially opened for business on January 6, 1908. The Borough of Palmerton's first financial institution established its office in a small brick building on Delaware Avenue. In years to come, this same location would be home to the Palmerton Lighting Company and, more recently, a florist.

Responding to the the economic boom of the roaring 20's, the Bank expanded again in 1926, acquiring property and erecting a new building at Delaware Avenue and Fourth Street. The custom-designed facility was equipped with the most current equipment and conveniences, and was considered to be the "very latest" in modern banking construction.

Over the next few decades, First Northern Bank & Trust stood the test of time, surviving the uncertainty of the Depression and the trials of World War II. Then, on the heels of the 50's, came a resurgence of consumer confidence. Long-time bank employees took pride and pleasure in providing a broad range of services to the children and grand-children of their very first customers.

Along with disco and bell bottoms, the 70's introduced a focus on emerging technologies and planned growth strategies. Always in step with the times, the bank expanded and relocated in 1972, purchasing the former New Jersey Zinc - Horse Head Inn at the corner of Fourth Street and Lafayette Avenue. The Delaware Avenue property was then earmarked for community outreach and donated to the Palmerton Library Association.

Thanks to the loyalty of thousands of customers, First Northern Bank & Trust continues to grow and prosper in four of Northeastern Pennsylvania's most beautiful counties: Carbon, Lehigh, Monroe and Northampton. As our history proves, an unwavering commitment to providing quality financial services has played a critical role in our success. Originally born of the needs of a fledgling community, we have evolved into a rock-solid, caring, concerned citizen...interested and active in the current affairs of the communities we are privileged to serve. First Northern Bank & Trust, a sole subsidiary of Palm-Bancorp, Inc. (a one bank holding company), is a federally chartered bank operating under the Office of the Comptroller of the Currency.

Directors

• Salvatore Checho - President/CEO/Chairman of the Board
• Anna Marie Checho - Corporate Secretary
• Christopher Checho - Assistant Secretary
• Frank Checho - Vice Chairman of the Board/Solicitor
• Raymond C. Rinaldi
• Raymond C. Rinaldi II
• William H. George
• Bonnie L. Paules - Assistant Secretary

Officers

• Salvatore Checho - President & CEO
• Frank Checho - Sr. Executive Vice President
• Michael R. Harleman - Executive Vice President
• Bradley Browne - VP, Consumer Lending
• Leo Castagnera - VP,Security Privacy BSA
• Christopher Checho - VP, Administration
• Faust Checho - VP, Asministration
• Susan Choy - VP, Residential Mortgage Lending
• Anne Davis-Shupp - VP, Marketing Director
• Michael O. DePaulo - Sr. VP, COO/Chief Information Officer
• Philip J. Dilullo- VP, Consumer Loan Officer
• Jesenia Galindez - AVP, Paralegal Assistant
• Jason Geake - Sr. VP, Chief Administrative Officer
• Susan Hansen - VP, Human Resources
• Wendy Horvath - AVP, Marketing
• Andrea Jenkins-AVP IT/Information Security Officer
• Joanne King, - AVP, Branch Manager
• Brenda Kowalsky VP, Assistant Chief Financial Officer
• Richard Krokos- Sr. VP, Chief Credit Officer
• Faith Orsulak, -VP, Loan Administrator
• Bonnie L. Paules - Sr. VP, Asst. Corporate Secretary
• Trisha Paules, VP, Credit Analysis
• Kevin Reiner - VP, Commercial Lending
• Carla Schmidt -  AVP, Asst. Auditor
• Anthony Rosencrance - Sr. VP, Commercial Lending
• Linda Rosencrance - VP, Residential Mortgage Lending
• Melissa Serfass - AVP, Investments, Accts. Payable
• David Semmel - VP, Asst. Operations Officer
• Janene Smith - VP, Auditor
• Donna Snyder - VP, Data Processing Supervisor
• Richard Snyder - Sr. VP, Consumer Lending
• Angela Smith - AVP, Asst. Cashier, Bookkeeping Supervisor
• Richard Strauss - VP, Collections/WorkOut Offficer
• Barry Wolfe - VP, Compliance and CRA Officer
• Albert Yesu - Sr. VP, Chief Financial Officer
• Norman Zwolenik - VP, Branch Administrator/Training Director
• Lori Solt - VP & Branch Manager
• Stacey Everett- AVP, & Asst. Branch Manager
• Zena Keller - VP & Branch Manager
• Lisa Saveri - AVP, & Asst. Branch Manager
• Mary Williams - VP & Branch Manager
• Elizabeth Feliciano - AVP, & Asst. Branch Manager
• Andrea McGuire - VP & Branch Manager
• Donna Thompson - AVP, & Asst. Branch Manager
• Jill Nansteel - VP & Branch Manager
• Nancy Master - AVP, & Asst. Branch Manager
• Wendy M Arrasmith - VP & Branch Manager
• Lisa Wentz - VP, & Branch Manager
• Mandy Pasquariello - AVP & Asst. Branch Manager
• Denise Krupa - VP & Branch Manager
• Camille Capkovic - AVP, & Asst. Branch Manager
• Tiffany Cappuccino - VP & Branch Manager
• Casey Gaugler - AVP & Asst. Branch Manager
• Marlene Coffman - VP & Branch Manager
• Laurie Grady - AVP, & Asst. Branch Manager