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September 2016 VOL. 31 NO. 9
Leadership is about relationships Leaders attach themselves to quality people and then focus on developing them and creating environments for success
LEADE R S I N BAN KI NG EXCE LLE NCE IS AN ADVE RTISI NG SU PPLE M E NT OF TH E N O R T H E A S T P E N N S Y LV A N I A B U S I N E S S J O U R N A L
Leaders in Banking Excellence
Banks strive to strengthen communities they serve.
INSERT
By Dave Gardner When attempting to define leadership, one must understand that the term has no single definition. What works for one leader may not necessarily be effective for another. Personality types, circumstances and societal evolution must all be taken into consideration. Leadership is a practical skill that lets a person or group take charge of other individuals, teams, or entire organizations. Business News Daily noted that 19th century historian Thomas Carlyle believed leaders were born and not made. English philosopher Herbert Spencer argued that leaders were the result of the society in which they lived. Practicality would indicate that a true leader must be able to inspire those around them. Business News Daily points out that leaders must be able get the best out of people, participate in giving and serving, exhibit ambition, be in touch with people, set a positive example and never stand alone. Larry Puleo, president of MLP Consultants, defines business leaders as individuals who attach themselves to quality people. The leader then focuses on developing them and creating environments for success through training, mentoring and coaching. Perhaps, above all, leaders must be capable of making changes others might avoid. When this operational menu is installed, people will be willing the follow to group success.
ALSO INSIDE:
10 Keys to Career Fulfillment “Leadership is now about collaboration, and the delivery of a simple thank you can be very helpful,” said Larry Puleo, president of MLP Consultants.
Tasks vs. people? According to Puleo, as a consultant he often hears managers complain that they just can’t seem to get tasks done. Inevitably, other people are blamed. “In many cases, this is because there is too much emphasis on tasks and not enough on developing the people who must do them,” said Puleo. “Yes, the manager must know what tasks their people are responsible for, but leadership is not about tasks. It’s about relationships.” He charged that most business organizations do not operate an effective mentoring program to develop leaders. As a matter of illustration, the NFL
Postage
does and for decades has produced wave-afterwave of renowned leaders. “An effective example of this success is the NFL’s system of quarterback coaches,” Puleo said. “Universally, mentoring is a big part of this coaching job as teams strive to develop leadership skills in young quarterbacks.” However, in most companies, Puleo said, a clear path for employee development to leadership simply does not exist. Training through college classes, over the internet and with seminars can all be effective, but above all, relationship building is key if people are to be better positioned for modern leadership. Promotion without development? Puleo also identifies another problem with leadership development which can be traced to the roots of many business operations. Often, Please see MODERN, Page 18
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LEADERS SEPTEMBER 2016
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Highly engaged people are more likely to succeed because they like what they’re doing.
PAgE 10
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Autumn daytrips feature fall foliage, agritourism and wine tasting.
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Vol. 31, No. 9 • September 2016 149 peNN AVeNue ScrANtoN, pA 18503 www.biz570.com
On THE COvER
A nOTE FROM THE EDITOR
leadership is about relationships
It’s all about leadership
The Northeast Pennsylvania Business Journal is a member of Times-Shamrock Publishing Division
EDITOR christine Fanning — ext. 5415 cfanning@timesshamrock.com COnTRIbuTIng REpORTERs Dave Gardner, Kathy ruff, phil Yacuboski
businesses can help themseves by developing mentoring programs to develop leaders.
ADvERTIsIng sAlEs ExECuTIvE Judy S. Gregg — ext. 5425 jgregg@timesshamrock.com
FEATuREs 10 Keys To Career-life Fulfillment .. Made in nEpA ......................... small business spotlight ............ shopping ‘small’ ...................... Celebrating Women Entrepreneurs vistage peer Advisors................ Medical Oncology Associates ......
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personnel ............................. 23-26 For the Record ....................... 27-31
InsIDE
LEADERS September 2016
in banking excellence
Leade r S i n ban ki ng exce LLe nce iS an adve rtiSing Su ppLem ent of the n o r t h e a S t p e n n S y Lv a n i a b u S i n e S S J o u r n a L
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SEPTEMBER 2016
in August, we were honored to host several owners and decision-makers in regional companies that have been in business for at least a generation and, in many cases, much more than 100 years. we were interested in bringing our readers some of the stories of the people — many of them immigrants — who saw a need, filled it and built a business. Their succesors have sustained, transformed and propelled those companies into the 21st century. The stories they told were captivating. for example, P&G’s inception in 1837 came about when candle maker william Procter and soap maker James Gamble married sisters olivia and Elizabeth Norris and their father-in-law convinced the men to start a business. Benco Dental was founded in 1930 by benjamin J. cohen, a russian immigrant who lived in Philadelphia. cohen decided to take his one-man operation to wilkes-Barre after eight years peddling dental instruments to dentists in Pennsylvania, New York, New Jersey and ohio. You can get some insight into how these companies, and others that participated, continue Perpetuating Greatness — the title of our forum — in the october edition of the Business Journal. we were inspired by the discussions to examine the characteristics inherent in leadership. our cover story explains that, in modern companies, leaders value relationships and collaboration. The old, order-andcommand style of leadership doesn’t work in
s u b s C R I p T I O n
Business Journal NortHeASt
the new economy and, as Larry Puleo notes, a simple thank you is worth a lot. His insight on leadership views the mission as one to assist the company and the overall economy in establishing the next generation of leaders. our heavy hitters in business on pages four and five have had on-the-job schooling to leadership — from learning that you have to earn respect from the employee pool, even in a family business, to the “fake it ’til you make it philosophy” — illustrating there’s all kinds of stress in learning how to be a leader. However, integrity, service to others, quality decision making and adhering to emotional intelligence are some of the values that guide their days. But what about the workers who are not in leadership positions but are producers and are valued in the organizations? what keeps them interested in their careers? kathy ruff talked to the experts to find out. Her 10 keys to career-life fulfillment made me think about my situation. i really like my work but don’t relish the morning drag: rise early, feed the cats, jump in the shower, do the hair and makeup and all the other chores you have to do before you rush out of the house. So, according to kathy’s professional contacts, i need to change my thoughts and attitude. And get up a little earlier. The good news is that my work engages me, and my life is full of friends and family. work-life balance is inconsistently balanced, and that’s ok. read all about it on page 10. — Christine
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BUSINESS LEADERS: A LOOK AT SOME HEAVY HITTERS
Elizabeth Graham
Mary Alice Jacquinot
According to Graham, integrity can be displayed in the modern age when leaders back up their words Effective leadership is guided by integrity, said with actions. This can become a somewhat jarring Elizabeth Graham, chief operating officer, experience if the individual on the other Riggs Asset Management Co. end of the display is not a person of The full-service firm was started by integrity. Graham’s father 25 years ago and she “When you consider the negative joined the organization after working as reputation some financial managers a marketing professional with an urban received after the 2008 bank crash, our law firm. Graham said she always had continuing displays of integrity have crean interest in the legal profession, and ated quite a different experience for our during her time in that field she became clients,” Graham said. Graham adept at business development. Leadership, according to Graham, A rare experience shared by few people played a must also include tough decisions within tight situmajor role in Graham’s life. She hit the pause button ations. When she first came on board, an analysis and examined where she was headed after several of of the company after the 2001 stock crash indicated her friends were killed in an airline accident. Shortly changes were necessary. after, her brother invited her to join the family investTight finances called for pay cuts among highment business in a development role. level employees, voluntary short-term cuts for the The opportunity let Graham learn the financial staff and development of a plan to rally the firm management arena from the ground up as she through the situation. The decisions proved to be answered phones, dealt with clients and even worked correct, allowing a financial payback to the employin the reception area. Central to her hiring was a ees and extended fiscal stability. working belief that the company was not offering When the financial crash of 2008 occurred, the favoritism for blood relatives. lessons learned from 2001 benefited the Riggs team, “I’ve always believed that a leader must earn the and the company was strongly positioned. Ownerrespect of the employees and learn while doing this,” ship explained that the immediate future was not Graham said. going to be easy, but no layoffs occurred, and pay The sibling duo eventually bought out their cuts only were made at the top because the previous mentor father and became co-owners of the firm. thoughtful steps had created a position of strength. Graham said since coming aboard she has achieved “This actually became one of our largest growth full competency with investment functions and now phases,” Graham said. “We had been managing does operational management in addition to busiour assets with integrity and had risk-management ness development. measures in place. I’m very proud we weathered this Leadership, in Graham’s opinion, must start huge financial storm, and I’m humbled by it.” with the belief that integrity is the baseline. “Integrity Graham has capitalized upon her success as means you do the right thing even when it’s the hard a female in the professional arena. When working thing to do,” Graham said. “I’ve learned we possess in Washington she created a global organization a great asset because our business is family owned called Women Business Leader in Health Care that and we are called upon to make decisions with supports women leaders without peers while also integrity for the next generation.” striving to revise the makeup of leadership boards. Graham’s grandfather was a coal breaker boy “There are not that many females on these boards who quit school in the third grade to work and later and we’re working to change this,” Graham said. carved out a position with a New Jersey-based dairy. Armed with an understanding that senior female He was a mentor to and idol of Graham’s father. executives are not connecting within Pennsylvania, Her grandfather died young, leaving the family in a Graham created the Circle 200 organization for precarious financial situation. “The dairy leadership senior executives. This has allowed her to network came to my widowed grandmother, taught her to with a variety of female executives. drive a car and offered her a lifetime position with the “We’ve made inroads to change the traditionally pacompany,” Graham said. “We try to treat our people ternal nature of NEPA so that executive positions better the same way.” reflect the region’s demographics,” Graham said.
expands it to include knowing your constituents, respecting them and convening people to participate in the mission. Service to others is at the core of genuine leadership, according to Sister Mary She also keeps her eye on the Alice Jacquinot, I.H.M., president and basics of connections between people, chief executive officer of St. Joseph’s which must include patience, trust and Center. courage. Interaction with people of differing situations is also part of the Jacquinot is the administrator of Jacquinot formula. an organization with 550 employees who touch the lives of more than “Supporting our cause is about 4,000 clients every year and who supporting people,” Jacquinot said. Jacquinot deals with an annual operating budget “We see humanity in those we serve.” of $22 million. She pointed out that effective The organization originated as an orphanage leadership includes the ability to listen carefully, in 1888 and has evolved to assist individuals prioritize, seek out advice, be open to admisdiagnosed with an intellectual disability or develsion when wrong, a hands-on style and course opmental delay, pregnant women, young families, changes when needed. couples hoping to adopt and people who require Employee counseling when trouble arises is outpatient therapy. part of her style of leadership. She strives to be Jacquinot is the youngest of four children, a firm, stand her ground, maintain integrity and pray. native of South Scranton and a graduate of the “If a peer or employee needs change, I will NEPA Catholic high school system. She also is move the conversation back to our mission and an alumna of Marywood College where she was who we are here to serve,” Jacquinot said. involved in student government and later became The road to being an experienced CEO has associated with the St. Francis of Assisi Kitchen, predictably featured a few bumps for Jacquinot. where she was mentored by the legendary Sister She said when she was younger she would make Adrian Barrett. quick decisions in an attempt to appear decisive. Jacquinot’s working-class roots can be traced Some of those decisions may have backfired, to her mother, a registered nurse and father, a but they created opportunities for growth. She carpenter. She decided to become a nun at 27, now seeks out information, deliberates, garners after attending Marywood for education. opinions and moves cautiously. “I found that I didn’t care for the student “Decision-making is vital to leadership, and I teaching experience and can remember feeling never fly by the seat of my pants,” Jacquinot said. very confined,” Jacquinot said. “Therefore, the “I’m very open that I don’t know it all, and have process worked for me, and I found my true learned that at any major transition there is much calling. Adult life is about making positive choices, to learn.” and a religious vocation makes your relationship Leadership of St. Joseph’s in the era of finanwith God primary.” cial frugality, especially by government, occasionHer calling to Christian service was gradual ally causes Jacquinot to experience a few anxious and escalated with time. She believes the process nights. She finds herself questioning how she included discovery of the true self, a dose of cour- can be the best steward of the mission to the next age to follow the call and parental support. generation, while also meeting current expenses “My fellow sisters and the ministry are a and growing to meet societal needs. good fit, and this life agrees with me,” said Jac“It’s become a challenge to make Harrisburg quinot. “I’m challenged and happy. My parents aware of our mission,” Jacquinot said. “So many loved the work they did, and I love this work. It’s people depend on us.” St. Joseph’s operating not a burden.” budget is frozen, and the leadership team proLeadership, according to Jacquinot, can best ceeds cautiously. Yet, no programs have been cut, be summed up in the calling by Christ, that to and Jacquinot credits her administrative team and lead is to serve. She takes this philosophy and board with helping her remain optimistic.
By Dave Gardner
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By Dave Gardner
BUSINESS LEADERS: A LOOK AT SOME HEAVY HITTERS
Joseph Mesko
He vividly remembers a 1998 fire at the WilkesBarre location, which destroyed everything, includA decision to learn the art of quality decisioning inventory and vehicles. The operation had been making is vital for true leadership, according to thriving, and Mesko said that he made a series of Joseph Mesko, president of Mesko Glass. very hard decisions to steady the company ship. The familiar company, with locations in The 1972 flood in Wilkes-Barre created operaScranton, Wilkes-Barre, Allentown and Honesdale tional conditions that required tough decisions. His also features an Avoca-based contract division. To- employees worked 16 hours a day, seven days a gether, these glass shops specialize in the sale and week with cleanup efforts. installation of auto, residential, sunroom, enclosure “When I make a decision, it involves family supand commercial glass products. port, the involvement of key people, a great deal of Mesko points to humble roots when discussconsulting and prayer,” Mesko said. “After the deciing both the company’s origins and his rise to sion, you must move on, and if things go wrong, leadership. In 1930, one of Mesko’s ancestors was you have to liken it to a bad golf day. You can’t lose shorted 1 cent by an employer, and in response sleep because this is how we learn.” he opened a glass business and set the stage for Another facet of leadership cited by Mesko ongoing growth. includes the ability to understand the society The organization was eventually sold to Mesko’s within which the business functions. He has noted father and brothers. Now, at 66, Mesko supervises that many young employees expect fast dollars, more than 100 employees while also employing because they have debt from school loans. various family members. “Part of leadership is to help these kids Identifying and choosing alternatives, based on understand that they must take a slower pace, even the values and preferences of the decision-maker, if they are techno-wizards who have fast-moving is a vital part of the decision process. In addition, minds,” Mesko said. “They usually are not going to decision-making is a problem-solving activity lead- receive a lot right away.” ing to solutions. Mesko believes that effective leaders are both Mesko’s growth in the importance of quality born and developed. Experience and opportunity for decision-making can be traced to his youth in the evolution to leader. 900 block of Scranton’s Wyoming Avenue. Here’s “Indecision, procrastination and a lack of acwhere the fledging Mesko Glass operation was countability all reduce a person’s ability to lead,” located, with the glass shop on the ground floor Mesko said. “This is especially true in a small busiand the 11-sibling family living above. ness where you can’t pass the buck.” “The glass shop was our playground, and we As he looks ahead, Mesko said evolving were always around the stuff,” Mesko said. “All business operations will change priorites for of us had glass nicks and bruises, and this was business leaders. Technology must be acquired the genesis of our interest. We also didn’t grow and mastered, while government intervention will up in any financial picnic. Five of us were in one undoubtedly increase, especially in small busibedroom, and only my sister had her own room.” nesses without legal clout. Mentoring by his parents was key to Mesko’s He pointed out that regulation and environmenevolution. He gives credit to his athletic coaches tal laws all cost money, while legislation such as such as legendary football great Emil “Moe” DeCan- the Affordable Care Act, banking rules and capital tis of Scranton Central High School, where Mesko finance requirements all require a great deal of played running back and from which he graduated paperwork. in 1967 before playing at Temple University. Education will also play a growing role in deci“I was elected captain of both my high school sion making. Mesko believes that, increasingly, a and college teams,” said Mesko. “Both times it leader can’t be just street smart. They must also be meant a lot to me.” tech savvy. Mesko said that a business leader must be able “I’m a big believer that the top person must to make decisions despite less than ideal condistay with their core business and avoid distraction,” tions. This may include piloting a company through Mesko said. “Maybe, above all, they must have a difficult times. sense of humor!” By Dave Gardner
William Sordoni
prospects than I.Q.,” Sordoni said. The benefits that can be derived by a person Ask William Sordoni, president and chief achieving high levels of emotional intelligence are executive officer of Sordoni Construction Services substantial, according to Sordoni. These include about leadership, and he will say he is fascinated an ability to build and maintain relationships, with the concept of emotional intelligence. calmness in the face of changes or pressures, Emotional intelligence is defined as the exhibition of empathy, listening skills and superior capacity of individuals to recognize emotions, interpersonal communication. to discriminate between different feelings and “I think emotional intelligence can be traced label them appropriately, to guide thinking and back to both nature and nurture,” Sordoni said. behavior and to manage and adjust emotions to “Perhaps, above all, emotional intelligence helps a achieve goals. person to be a superior learner.” Forbes.com takes the definition a bit further Sordoni’s management of his company has and states that emotional intelligence taps into a featured a great deal of personal growth, plus fundamental element of human behavior that is some key leadership moments, that arose from distinct from intellect. humble roots. He is the fourth generation of Forbes also claims that there is no known Sordonis within the organization, which can trace connection between traditional IQ and emotional its roots to his immigrant great-grandfather, who intelligence. Emotional intelligence is not directly in 1910 began hauling coal, removing ashes and based on how smart someone is, and most digging cellars with a team of borrowed horses, a people can develop high emotional intelligence. second-hand harness and two wagons. “I believe emotional intelligence developPlease see SORDONI, Page 13 ment is a better predictor of long-term success By Dave Gardner
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Destination: Pocono Mountains
25 ways to view fall foliage
Check poconomountains.com/seasons/fall-in-the-pocono-mountains/fall-foliage-forecast/ on Sept. 8 when the forecast begins for the season
The Pocono Mountains are home to 127 indigenous species of trees, plants and shrubs that illuminate the region in autumn. One of the most popular times to visit the region, autumn inspires wonderful festivals, activities and special offers that celebrate fall foliage and the season’s many splendors. Here’s a list of 25 ways to enjoy the fall season and scenery in the Pocono Mountains: 1. Hop on a hayride. Snuggle up to your loved ones and draw in the crisp autumn air. Mountainside hayrides are a must at many of the region’s fall festivals. 2. Embark on an apple or pumpkin picking adventure. Make lasting autumn memories when you pick your own apples or pumpkins in the Pocono Mountains. 3. Get festive. Spirited celebrations abound in autumn. Enjoy great food, music and fun for all at some of the region’s famous fall festivals. Tours and siGHTsEEinG
4. Find a fall foliage train excursion. Experience the excitement of a rail car ride. Fall foliage train excursions are a wonderful way to celebrate autumn in the Pocono Mountains. 5. attend an environmental education event. Learn about the lush Pocono Mountains landscape and the creatures that call it home. Head out with a naturalist and soak up some Pennsylvania scenes and stories. 6. Go for a drive. Scenic stretches of road, such as Route 507 near Lake Wallenpaupack, offer unmatched views of autumn foliage. Hop in the car for a scenic drive, and be sure to stop along the way to get a closer look. 7. Take to the skies. Get a bird’s eye view of the brilliant autumn scenery during a fall foliage air tour of the Pocono Mountains. 8. Take a vineyard tour. Experience the beauty of a mountainside winery in autumn. Vineyard tours allow travelers to drink in the scenery and
flavors of the Pocono Mountains. Cheers. 9. Take a walking tour. Sightseeing in the Pocono Mountains extends far beyond man-made attractions. Discover the rich history of the region as you stroll among the fallen leaves. auTumn accommodaTions 10. Go camping. Immerse yourself in the beauty of the natural world. Spend the night in one of the Pocono Mountains’ pristine campsites and make warm autumn memories beside a crackling fire. 11. steal away with your sweetheart. Cozy up against the chill of autumn. Enjoy a couples-only escape complemented by the brilliant fall foliage. 12. Take a family vacation. Festivals, pumpkin patches, hayrides and more — autumn in the Pocono Mountains brings endless opportunities for family fun. But don’t just day trip. Check out the region’s top picks for awesome autumn vacation spots. WaTEr rEcrEaTion 13. Go fishing. Enjoy a relaxing day of sport
fishing amid the bold colors of autumn. 14. Take a canoe or kayaking trip. Float along the pristine waters of the Pocono Mountains and enjoy unique views of the changing mountain landscape. 15. spend a day sailing or boating. Enjoy a leisurely lake cruise or a speedy sailboat ride. The wooded lakes of the Pocono Mountains offer some of the region’s prettiest panoramas. ouTdoor advEnTurE 16. Take a hike. Savor the scenery as you stroll along the wooded pathways of the Pocono Mountains. More than 260 miles of hiking trails wind through the region, revealing scenic vistas, tumbling waterfalls and lush Pocono Mountains foliage. Find the route that’s right for you. 17. Go for a bike ride. Marvel at the Pocono Mountains’ majesty from the seat of a mountain bike. Enjoy an awesome autumn outing on one of many forested bike paths.
PO CONO M OU NTAINS TOURISM INDUSTRY GENERATES 3 BIL LION DOLLARS A YEAR FOR THE LOCA L E CO N O MY.
• 25.6 Million Visitors in 2015 • $3 Billion+ Annual travel spend in the Pocono Mountains • 34% of the workforce in the Pocono Mountains is within the Tourism Industry • For every additional 176 room nights generated year over year, one new job is created
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#PoconoMtns
DESTINATION: POCONO MOUNTAINS
Couple bet on vineyard and winery and won
Their new venture brings agritourism to forefront
17. Go for a bike ride. Marvel at the Pocono Mountains’ majesty from the seat of a mountain bike. Enjoy an awesome autumn outing on one of many forested bike paths. 18. Step up and into the saddle. Hit the trails on horseback for a unique view of the changing mountain scenery. Many of the region’s riding stables offer guided rides through scenic wooded trails. 19. Hit the links. Crisp autumn air and bright fall foliage enhance the allure of Pocono Mountains golf courses. Play a round on one of the region’s iconic courses and enjoy breathtaking views of the changing scenery. 20. Speed down Blue Lightning Tubing or the CBK Mountain Coaster. Feel the autumn wind in your hair as you glide along these unique Pocono Mountains attractions at The Villas and Fernwood Resort and Camelback Mountain. Both offer unmatched vantage points for viewing the fall foliage. 21. Swing through the trees. What better way to see the trees than from the trees? Swing, pull, climb and zip your way through the fall foliage during a run through a treetop adventure course. 22. Play a game of disc golf. Unlike traditional
golf, this ever-growing sport can be played through a variety of terrain. Disc golf courses are often set in parks and wooded areas, making them prime places for leaf-peeping...and friendly competition. 23. Try paintball. Experience fast-paced fun and excitement in the great outdoors. A game of Pocono Mountains paintball will leave you (almost) as colorful as the trees. 24. Go zip lining. Fly through the air above the reds and oranges of autumn. Zip lining experiences are available at many Pocono Mountains destinations. 25. Skydive. Freefall 13,500 feet above the blazing fall foliage for a view unlike anything you’ve ever seen. It’s an adventure fit for your bucket list. Looking for the best time to view the fiery foliage? The Pocono Mountains has three distinct color zones, which peak at different times throughout the season. The Pocono Mountains Visitors Bureau’s weekly fall foliage forecast tracks color and progress all autumn long. Call 570-4215565 for a full report. Pocono Mountains Visitors Bureau will update its maps on its website, PoconoMountains.com, beginning September 8. Each week, through the first week of November, PMVB will update these maps, to show the changing colors in the region.
Top: On September 1, the seven year anniversary of their original winery opening, the Rices broke ground on a new building that is four times as large as the current facility. Bottom: Linda and Randy Rice.
It will never work,” said neighbors. “You guys are crazy,” added family. “You’ll never grow wine grapes in Pennsylvania,” said farmer friends. Linda and Randy Rice have heard it all. Yet, they have proved the naysayers wrong. Their business, Mountain View Vineyard, Winery & Distillery, has grown so much that they have outgrown their winemaking and tasting room space. “We believe that when you follow your passion, all things are possible,” said Randy. The couple first fell in love with the idea of making wine during a trip to the Finger Lakes in New York. When they got home, they started planting vines right away. Eventually, they had an entire vineyard in their back yard. They turned their garage into a winemaking center. Then, in 2009, the pair quit their day jobs — Randy was a teacher and Linda was a pharmaceutical sales representative — to open a tasting room in their home. Customers loved their sustainable farming
methods and production practices. So, the business grew rapidly. A few years later, they added a distillery where they make vodka, brandy, and moonshine. They are about to expand again. On September 1, the seven year anniversary of their original winery opening, the Rices broke ground on a new building that is four times as large as the current facility. The new property will help the Rices expand into the wedding and event business. They already have talked with many couples who are looking forward to getting married there. The expansion proves NEPA is a viable wine region. The Rices are founding members of the Pocono Wine Trail, which has eight wineries. “We believe that the Pocono Mountains are the perfect place for wine enthusiasts. We’re within a two-hour drive of both New York and Philadelphia so it’s a great option for day trips and weekend getaways,” Linda said.
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Portrait by renowned illustrator Joseph Adolphe.
WILMINGTON TRUST RENOWNED INSIGHT
“How could the November election affect your portfolio?” Today, the U.S. government’s staggering debt is $18.1 trillion. Even worse, the Congressional Budget Office projects that, if left unchecked, it’s only going to increase. Most of the debt is due to federal programs like Social Security and Medicare, which could tack on an extra $573 billion to the nation’s tab by 2020. Fortunately, the twofold solution to this problem is rather simple. We need to spend less and earn more in order to promote growth and create incentives that should help keep jobs and assets in the U.S. But making headway isn’t easy. Where do the presidential candidates stand? The leading candidates are focused on the overall economy. However, their solutions are drastically different, with a wide range of estimated results over the first decade. The nonpartisan Tax Policy Center says Donald Trump’s proposed lower taxes would reduce revenue by $9.5 trillion and add $11.2 trillion to our national debt. Meanwhile, Hillary Clinton’s proposed higher taxes would boost revenue by $1.1 trillion and cut the debt by $1.3 trillion. The bigger picture. It’s important to keep in mind that the numbers alone don’t tell the story and a longer view must be taken into account. Even if one of the proposals came to fruition, a great deal remains to be quantified. For instance, how much
Luke Tilley Chief Economist A vital part of our deep bench of experienced analysts, strategists, and economists, Luke oversees Wilmington Trust’s macroeconomic forecasting for the U.S. and international economies. He researches emerging issues to support and enhance our overall investment strategy and to communicate the outlook to both clients and the public at large. For access to knowledgeable professionals like Luke and the rest of our team, contact Ed Barone at 570-327-2155.
F I D U C I A R Y
S E R V I C E S
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W E A LT H
P L A N N I N G
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I N V E S T M E N T
economic drag would result from higher taxes? Or, conversely, would there be enough economic stimulus from lower taxes to make the nation debt-neutral? T H E U.S. G OV E R N M E N T O W E S
$18.1 TRILLION
Source: Congressional Budget Office, January 2016
Where does that leave you? With Wilmington Trust, your portfolio is in experienced hands. We have prudently managed risk and stewarded client assets through many up and down markets over the past 100 years. Though U.S. economic growth struggles are weighing heavily on markets, we are confident that our clients’ portfolios are sensibly positioned to meet challenges and capitalize on opportunities in the decade ahead – no matter the election’s outcome. For further insight, along with more of our outlook on expected trends, go to wilmingtontrust.com/election.
M A N AG E M E N T
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P R I VAT E
B A N K I N G
This article is for informational purposes only and is not intended as an offer or solicitation for the sale of any financial product or service. This article is not designed or intended to provide financial, tax, legal, accounting, or other professional advice since such advice always requires consideration of individual circumstances. If professional advice is needed, the services of your professional advisor should be sought. Private Banking is the marketing name for an offering of M&T Bank deposit and loan products and services. Investments: • Are NOT FDIC-Insured • Have NO Bank Guarantee • May Lose Value Wilmington Trust is a registered service mark. Wilmington Trust Corporation is a wholly owned subsidiary of M&T Bank Corporation (M&T). Investment management and fiduciary services are provided by Wilmington Trust Company, operating in Delaware only, and Wilmington Trust, N.A., a national bank. Loans, retail and business deposits, and other personal and business banking services and products are offered by M&T Bank, member FDIC. Wilmington Trust Investment Advisors, Inc., a subsidiary of M&T Bank, is a SEC-registered investment advisor providing investment management services to Wilmington Trust and M&T affiliates and clients. ©2016 Wilmington Trust Corporation and its affiliates. All rights reserved.
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Positive cash flow! Whether you are an owner/user or Investor this deserves a look! This 20,000SF tenant occupied building with 50 parking spaces. Ideal Wyoming Ave location! MLS# 14-2601 JUDY 714-9230 OR RHEA 696-6677
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WILKES-BARRE
Great rate of return! This fully rented 6 unit in the heart of downtown/campus area features new electrical, plumbing including new hot water heaters and roof within past 4 years. Coin operated laundry, 1200SF storage and several parking spaces make it worth a look!
MLS# 16-2232 JULIO 239-6408 OR JUDY 714-9230
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BUSINESS FOR SALE
1.18 GROSS Highly profitable, top rated, established 12 year franchise business. Solid base of over 40,000 loyal clients. This will be CASH sale. Potential buyer must sign a nondisclosure for more information.
MARIBETH 696-0882
$499,000
MOUNTAINTOP
Great Opportunity! Highway commercial property has 3 separate units, 2 are currently rented. MLS# 16-1035 PATTY 715-9332
Kingston: 570.288.9371 Shavertown: 570.696.3801
$244,900
WYOMING
Single story brick building approx. 4200SF in excellent condition. Offices, conference room, break room, rest rooms, and open area. Plenty of parking and 2 car garage. MLS# 16-2192 JUDY 714-9230 OR DEANNA 696-0894
$459,900
WYOMING
Home & business under one roof. Professional office space in place w/paved parking lot. Apartment w/2BR upstairs, lot parking. MLS# 16-4283 KATHY 696-6403 OR SUSAN 696-0876
$129,900
Mountain Top: 570.474.9801 Wilkes-Barre: 570.822.1160
WILKES-BARRE
Fabulous property with all the amenities. Great space for your business. Move right in! plenty of storage and back building that can be apartments or whatever you can dream. 24 hour notice.
MLS# 15-1791 PEG 498-4551
$389,000
EXETER
Commercial lot and former auto sales company. This property features paved lot, office w/rest room and handicap accessibility. Ideal for retail sales that require outdoor display. MLS# 16-1515 JUDY 714-9230
$125,000
WEST PITTSTON
PRIME COMMERCIAL LOCATION! 6 bay garage service station with a large rear storage building. MLS# 15-2878 TINA 714-9277
$349,000
WILKES-BARRE
Former Drug Store in City Heights Shopping Center. 7,750SF. OSP for 30 cars. Also available for lease $7/SF. MLS# 14-3737 MATT 714-9229
Clarks Summit: 570.585.0600 Scranton: 570.207.6262
$110,000
EXETER
Existing restaurant with 2nd floor apartment could be converted to medical or professional offices; restaurant furniture & equipment negotiable. Building also for lease. (SEE MLS# 16-3777) (SEE MLS# 15-3147) MLS# 16-341 PAT S. 696-6670
$274,900
WILKES-BARRE
Move your business right in to this 1100sf building! Can be used for neighborhood business such as a salon, smoke shop or deli. Perfect office space for a small business. MLS# 15-6142 JUDY 714-9230 OR ALEXE 714-9266
Drums: Hazle Twp:
$49,900
570.788.1999 570.501.7575
NORTHEAST PENNSYLVANIA BUSINESS JOURNAL SEPTEMBER 2016 9 TS_CNG/ADVERTISING/AD_PAGES [ADB09] | 08/31/16
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COVER STORY
10 Keys to Career-Life Fulfillment
‘Highly engaged people are more likely to succeed...because they like what they are doing. They relish getting up every day and doing what they do at work, with their family and in every other aspect of their lives.’ By Kathy Ruff
Do you feel something is missing in your life and, if you found it, you’d be happy and content? Are you unhappy or unfulfilled in your career? Do you regularly feel restless, frustrated or annoyed? Researchers have found that, regardless of life circumstances, anyone can change the way they feel. Beginning in 1938, one of the longest ongoing studies, the Harvard Grant Study, also found strong relationships and feeling connected to others is the most compelling predictor of life satisfaction. We have compiled a list of tools designed to help you to find fulfillment and happiness in both your professional and personal lives. 1. Be aware of what happiness means to you. “There are three factors that we find bring happiness and fulfillment,” said William A. Schiemann, Ph.D., author and founder of Metrus Group Inc., a talent management organization based in Somerville, New Jersey. “His newest book, Fulfilled! Critical Choices — Work, Home, Life,” will be released Oct. 1.) “The first factor involves bringing all aspects of your life into alignment with your life and career goals and with personal values, which of course means that you have to think hard about what those life and career goals are, and what you stand for.” Schiemann recommends creating “Lighthouse” goals, intermediate stepping-stones that point the way to your long-term goals. Finding out what you don’t like is just as valuable as finding out what makes you happy. “Sometimes we think something is best for us based on what we learn from other people, and we think it will work for us,” said Michael B. Morton, senior wellness coordinator at Geisinger Health System. “Most of the time it’s not going to really work in the long run.” Take a little time to discover what brings a smile to your heart. 2. Build on your strengths. “You can’t win gold, as we saw recently with Michael Phelps at the Rio Olympics, without honing the knowledge, skills and experiences that support your goals,” Schiemann said. “Capabilities are like the engine that enables people to move forward toward those goals. If an athlete didn’t really like swimming or skating or competing, he or she could still put in
the hours of practice it takes to win gold, but without the love of the sport that would provide fulfillment. Further, he or she would be much less likely to achieve performance at the highest level.” Understanding your strengths provides a solid foundation on which to move forward. “Everyone wants to do awesome at their job,” Morton said. “They want to kick butt at work. It’s really good not only to ask questions but to tailor and weave your jobs into scenarios where you can put yourself in positions and opportunities where you can really build and create more time utilizing your strengths.” 3. Bring passion to what you do — or don’t do it. “You need to bring passion to what you do,” Schiemann said. “Research shows that highly engaged people are more likely to succeed, not in the least because they like what they are doing. They relish getting up every day and doing what they do at work, with their family and in every other aspect of their lives.” Sometimes people unhappily do things others want them to do, things they would prefer not to do out of a sense of responsibility or fear. “Don’t let anyone control your happiness,” said Tonia M., a law enforcement professional who didn’t want her last name used. “You be in control of it. If you don’t want to do something, don’t do it. Don’t worry about someone else’s feelings if your feelings are going to be the ones that are bothered by doing something you don’t want to do or be unhappy to
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do what you’re doing because you don’t want to hurt someone else’s feelings.” 4. Create and enjoy strong relationships. “What do you do when you get bad vibes from co-workers?” asked Morton. “That’s a toxic thing in the workplace that really can affect your happiness at work. A big thing you need to do is understand and get to know your co-workers who you are around every day. Not just for work purposes, for other things. Get to know them on what they like to do, what are their dislikes, what makes them frustrated, what business processes they struggle on.” Understanding people helps to develop trust, a critical component to workplace happiness. “You spend a lot of time with these people,” he said. “Knowing who people are is key for building happiness at work.” Make a conscious effort to stay away from negative people to protect your happiness and surround yourself with positive people. 5. Change your thoughts — and attitudes. “Thoughts become things,” said Cathy Colangelo, life coach with Your Life Is Now Coaching, based in Weatherly, Carbon County. “If you go into work every day thinking, ‘My job sucks,’ ‘The people I work with suck,’ with a negative attitude about your job and the workplace, you’re going to manifest that. If you go in with a more positive attitude, that’s the kind of day that you’re going to have. You don’t have control over that negative co-worker, but you have control over
how much interaction you might have with them, how much time you can spend buying into what they’re saying.” Instead of participating in negative conversations, be the person that puts a positive spin on things. “You can train yourself to be happy,” said Lisa Hall Zielinski, director of the University of Scranton’s Small Business Development Center. “It’s up to you to take control versus sitting and waiting for someone to make you happy. If your job is not making you happy or your work is not making you happy, it doesn’t mean it’s someone else’s fault. Sometimes you have to do something.” 6. Learn what you can control and accept what you cannot. “You have to realize that you can’t control other people,” said Colangelo. “You can only control your actions, and you can control how you react to whatever is going on in the workplace.” How you react will either support or give away your happiness. “What you do have control over is how you react and how you move forward with it, whether you kick your feet, stomp your feet and say, ‘I can’t do this anymore,’” Morton said. “That’s not going to get you too far. If you say, ‘This is happening; this is occurring. I don’t have too much control. What can I do to make myself more prepared?’ Even asking yourself that question when it does occur shows you care about more than self-motivation and are a team player.” 7. Make time to try new things. “You never know what will make you happy,” said Tonia M. “I never knew how much I was going to love kayaking until I did it. You find happiness in your own element, in the woods, in nature, at the beach, on a motorcycle. Make time to do what makes you happy. Life is busy, and we usually forget about our own happiness, worrying about working, pleasing our bosses, doing for our spouses, taking care of the kids. Make time for you.” Making time for yourself opens your awareness. “Looking for opportunities to grow is a way to stay happy,” said Hall Zielinski. “Within your job, if there are things that maybe you’re not assigned to do but that you could get involved with or you could take on even though someone is not telling you, I think that’s a great way to be happier.” Joining a committee or club that interests you or Please see FULFILLMENT, Page 14
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FOCUS ON BUSINESS LEADERS
12 factors that build phenomenal leaders By Kevin Coughlin, D.M.D.
When you think about leadership, you actually think about influence. At its core, leadership is really about the influences on the people around you and the ability to move them in certain direction to obtain certain goals or objectives. When looking for leadership in your business or organization — perhaps in yourself—there are several factors that are part of all great leaders. Consider the following 12 factors to improve your leadership skills or identify individuals in your organization that can take over leadership positions. 1. Motivation is a huge factor for any successful enterprise. Remember what motivates one person may not motivate another. True leaders can quickly identify motivating factors in an individual, in order to move them or influence them in a certain direction. Some of the strongest motivators include money, fear, time and power. In most cases, individuals will be motivated by several factors; however, one factor will prove to be the dominant one. 2. Tolerance is really the ability to respect others views, without selling yourself out. It is of utmost importance to understand where the people or organization are coming from and to realize that they may not understand your position. In order to accomplish this you must be an excellent communicator. 3. Trust is necessary to create the right environment. Consider the three sides of a triangle — or the BLT, which stands for Believe, Like and Trust. Your goal is always to attempt to have individuals and businesses believe, like and trust you and your organization. When you accomplish this, you are well on your way to professional and personal success. 4. Purpose is your mission — the driving force behind your business. You should clearly know and understand your purpose and the purpose of the individuals around you. In some cases, your team may not fully understand the real purpose of their job or their organization. It is a leader’s job to effectively convey their mission and purpose to others. Leaders know their purpose and the purpose of those around them. 5. Vision: All leaders have a clear vision, which is really what the ideal future will look like. It is important that a vision include values, and it is critical that good leadership make sure that the people and organization agree with your vision. When a leader’s vision does not match the organizational vision, you will have problems.
6. Attitude: This may seem like a small thing, but a positive attitude can make a big difference, and conversely a negative attitude can also make a big difference — but not in a good way. People and organizations feed off of leaders, and those with positive attitudes will receive the best response. 7. Awareness is the understanding of not just leaders’ own identity, but the identity of the people around them and the organization they represent. Each and every individual has a core identity and the awareness to understand that core will improve your leadership. 8. Determination: It is impossible to become an effectual leader without this trait. Failure often accompanies leadership, and those who are not determined will never get off the mat and pull themselves back up. When determination starts to disappear, leadership will begin to fail. Determination never takes a vacation or gets sick; it should be working every day. 9. Faith: Great leaders must have faith that they will succeed, but equally as important is that they have faith in the people and organization around them. The best leaders believe in themselves, and it is critical that in order for your organization and the people around you to believe in you, you first believe in yourself. 10. Inspiration: Leaders are always looking for new ideas and different places to find them. Leaders are not afraid to solicit new ideas from others. Businesses constantly need new ideas to improve their products and/or services, and some of the best ideas are inspired by something or someone. 11. Willpower: Effective leaders know how to control their emotions and do not allow others to control their emotions or dictate their reactions. Willpower is critical for all leaders and is absolutely necessary to succeed. Life and business are very similar things and will almost never go as planned, so be prepared. 12. Patience means that no matter what the challenge is, a leader never gives up. Your business and people around you sense this and respond to it. Patience goes hand-in-hand with commitment, which means that when leaders say something, they do something. They take action steps, they set examples, and when this is done people and organizations respond.
FROM PAGE 5
Sordoni was working away from NEPA but returned to the region in 2005 to cash in via real estate on the wealth being generated by the fledging natural gas business. Finding himself bored a year later and with a family owned-business in transition and needing leadership, he approached his family with what he calls a great resume. “I offered my services, and said if I had unanimous consent I’d come aboard,” said Sordoni. “The unanimous consent from all of the shareholders went a long way toward the employees following a 35-year-old kid as the company’s leader.” Sordoni’s had a bumpy road as he instituted changes. He said he learned how to act in adversity, not to dwell on failure and to learn quickly and move on. Other facets of Sordoni’s leadership recipe include humility and recognition that you cannot expect people to follow simply because of a job title. “Job competency is important, but sometimes you have to fake it until you make it,” said Sordoni. “Put on the game face and do what needs to be done as you learn, with the understanding that there is an appropriate and effective time and
place to admit what you don’t actually know and ask other people for assistance.” The evolving voyage of leadership has also taught Sordoni some other interesting lessons. He has discovered he is more of a big-picture person than a handler of multiple details. Confidence is another key issue, which often plays a role in the ability to turn failure into success. According to Sordoni, he has always possessed an internal belief that he could properly analyze almost any situation, and with his ability to maintain good relationships use the information to achieve success. “I’ve had this confidence since I was a little kid,” Sordoni said. “It creates a calming sense that somehow a problem will be worked out.” The demeanor projected by a leader is also important. He said image is the product of a decision within the leader, and in its most powerful forms will determine whether a leader appears terrified, overwhelmed by events, or stays calm and capitalizes on a situation. “Leaders must work to project a growth mindset,” Sordoni said. “They must help everyone to believe the mission they’re on is a work in progress, and that together they will move forward.”
Kevin Coughlin, D.M.D., MBA, MAGD is an accomplished dentist, author and speaker. With his unique and powerful message, Kevin provides small businesses with actionable solutions when considering strategic change, as well as keys to compete in an expansive market. Visit Ascent-Dental-Solutions.com.
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FROM PAGE 10
It’s our commitment to you. We strive to achieve the highest level of service day in and day out. That means giving you fast responses, advanced business solutions, and unmatched expertise. The kind of service recognized with National and Northeast Regional Awards by Greenwich Associates. To learn about a bank that combines great business solutions with equally great service, visit fnb-online.com.
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networking with others with like interests can open opportunities for not only career advancement but also new friendships and happiness. 8. Take care of yourself. Experts find both productivity and outlook improve when people feel refreshed and happy. “Find things outside of work that you do, things that you enjoy so if you have a stressful job then when you leave work for the day, leave that behind,” Colangelo said. “Don’t keep checking your phone and your emails. Make that space and time for you when you are not in the workplace to replenish and re-energize. Do something for yourself. If you like to read, make sure you read. Do something with positive people outside of work so they can fill you back up again.” 9. Help others. Hall Zielinski sees reaching out as another way to find happiness. “Sometimes you can find happiness by mentoring others or by helping somebody through something,” she said. “Sometimes that can provide happiness and fulfillment. You’re making a difference. It might not be in your own work. It might be in the work of somebody else. It’s a pick-me-up.” Morton also thrives on helping others, using
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happiness to help people understand stress. “I get so much satisfaction and joy and good vibes from just helping others,” he said. “Sometimes it’s as easy as just smiling at someone and saying, ‘Hey, how are you?’ Something as simple as that can instantly boost your mood.” 10. Be empowered…take action. “If you don’t like the way something is, you can come up with an idea,” Colangelo said. “Go to your supervisor or manager. Instead of just complaining, ‘I don’t want to do this,’ come up with a solution. If you just can’t deal with going to work, if you work in a very negative place and you just cannot get out of bed in the morning, you have the power to look for something else.” “When a worker is just not happy or they are in a rut, that’s one of the best opportunities to tell yourself maybe I need to make a change,” Morton said. “If people aren’t happy and they feel they are not a good fit, maybe it’s a good opportunity to just make a change. A lot of times with change all you really have to do is take one little step, as far as just thinking about it. ‘What do I want to do? Where do I fit in? What can I do to help others or to help myself and enhance my career?’ Sometimes it’s just changing the way you think that will eventually change who you are.”
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14 NORTHEAST PENNSYLVANIA BUSINESS JOURNAL TS_CNG/NPBJ/PAGES [B14] | 08/31/16
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SEPTEMBER 2016
3350 North Main Avenue Scranton, PA 18508
advertorial
SMALL BUSINESS SPOTLIGHT IS ON
OTOWN Craft House
REGIONAL
Shopping ‘small’ gives unique experience
“It’s a nice category for us,” he said. “I think it’s Olyphant For the past three years, that way because we focus Member since 2016 (570) 483-4429 Maggie Mineo has been on it, and I know a lot of otowncrafthouse.com counting on the success of our competition doesn’t. For any restaurant, setting itself the back-to-school shopWe’re a local company apart from the competition is key. At ping season for her small that focuses on what is OTOWN Craft House in Olyphant, coclothing and retail store, happening in our local owners Kristen and Ed Shandra and The Daisy Collective on markets, and you’ll see we Tracy Bradshaw believe that giving Penn Avenue in downtown even have a back-to-school time-tested staples, such as burgers, Scranton. direct mail piece that will flatbreads and wings, their own twist, “With back-to-school go to homes in August with not only attracts customers, it also being one of the busier a back page that is totally helps put their business on the culinary Maggie Mineo, owner of The Daisy Co-owners, from left, are Tracy Brad- times of the year for me, I dedicated to uniforms.” map. Having recently celebrated its Collective, Penn Avenue, in downtown shaw and Kristen Shandra. really expect an increase in first anniversary, OTOWN Craft House McKeaney said there Scranton, has great hopes for the is poised to become one of the region’s ings and/or fantasy drafts. Our bar sales from the prior year,” shopping season for her retail shop. was a surge in the uniform features a large variety of drinks — we she said. Mineo opened the most popular options for dining out. business several years ago, even offer chocolate shots where you Can you tell us why you decided shop on Ash Street in May, but he said it’s flattened can drink the shot and eat the glass. We to start your business? 2013 and relocated to Penn Avenue in May of this out. “We haven’t seen an increase in it, but it’s a Kristen Shandra (KS): We have been try to think way, way, way outside of the year. “I am hoping this will be my busiest yet. With category we’re focused on.” box. After we come up with an idea, we friends for about 10 years. Before we the new location and increased foot traffic, I’m hopIn mid-summer, many college students head to take a lot of time to perfect it. started our families, Tracy worked in ing for new faces coming through the door. Boscov’s for back-to-campus promotions for dorm What are some community activithe restaurant industry, and my husThe Daisy Collective sells all kinds of things for rooms and household items. ties you are involved in? band and I owned a small corner bar. back-to-school, Mineo said, including bags, back“July is when kids go back to college, but the KS: We sponsor many youth sports The property in Olyphant came up for packs, accessories, candles and other types of home organizations in the Mid-Valley area second week of August is when we see people sale, so we decided to jump into it together and create OTOWN Craft House. and we are a participant in many other décor for apartments and college dorms. buying back-to-school clothing and such,” he said. activities. We offer event night fundWhat are some menu items you ofShe said her small business gives her an advantage. “And then it’s steady until Labor Day.” fer that can’t be found anywhere else? raisers where we donate 10 percent of “I believe shopping small gives you a more McKeaney said he also feels that given houseKS: We offer our customers cheddar our entire day’s sales to any organizaintimate and unique experience,” Mineo said. “I hold budgets, many people know Boscov’s is a tion or family looking to raise funds bacon mac ‘n’ cheese stuffed wings. live for that. Small boutiques are also the best way place to come where shoppers won’t get gouged. for a worthy cause. We are so grateful These wings are not the traditional to find something a little different.” “That’s what we stand for,” he said. “Unlike a for the love and support from our local chicken wing that we all know — A RetailMeNot survey conducted last month lot of our competition, we don’t price up, so you community. We love to give back and they have a unique twist because the said, on average, parents will spend $273 to send don’t have to have a coupon to get the right price. help in any way we can. cheddar-bacon macaroni and cheese their child back-to-school this coming school year; We give our consumers an everyday value.” How do you see your Chamber is stuffed inside a traditional chicken that’s more than the $246 predicted for last school McKeaney said for some categories like juniors wing. We also offer many other fun food membership helping your business? year. The same survey also said four out of 10 KS: The Chamber is a network of and young men’s clothing, back-to-school is as big items, like chicken and waffle sliders, parents said they would spend between $100 to stuffed gourmet burgers, lobster maca- great people and businesses all trying as Christmas. to achieve the same goal, which is to roni and cheese, Thai chili calamari $500 on merchandise as kids head back to class, At least one retail expert thinks shoppers could provide a quality product. In our case, and many more items. Everything we with more than half looking for deals online. be cautious about their back-to-school spending it is serving the highest level of local make has a twist. The group also said as many as 9 percent of con- and overall spending this year. made-from-scratch food and spirits What makes your restaurant difsumers will shop online for back-to-school goods, “I think it being an election year, many people while providing hospitality to our cusferent from the rest? and that is good news for stores like Boscov’s, which may feel uncertain about spending,” said Dr. David KS: We offer local, made-from-scratch tomers, guests and vendors. focuses on back-to-school with big promotions. Bell, professor of marketing at the Wharton School food. We are not a franchise or a chain, Get in the spotlight! Every month, The “I think things are looking very well right now,” of Business at the University of Pennsylvania and Greater Scranton Chamber of Commerce and we get to know our customers persaid Ed McKeaney, senior executive vice presiauthor of “Location Is (Still) Everything.” “Eventufeatures a member small business in the sonally. We are open for lunch, dinner ally things could change, and there could be presSmall Business Spotlight. Don’t miss your dent of merchandise and marketing for Boscov’s. and late night. We also have a banquet chance to be seen! Visit www.scranton“We’re expected to do well with denim and the sure on consumers on how they are spending. room located on our second floor for chamber.com to apply for membership junior category. While it’s early and hot, we’re also catered events, private parties, meetBell said while clothing is always a sure bet on or to fill out a Small Business Spotlight seeing a lot of sales in jackets. Despite the weather, back-to-school shopping, electronics are popular application today! outerwear is selling.” items too. Back-to-school is not what it used to be, with “The younger generation loves the technology many schools focusing on uniforms, but Boscov’s because it feels it makes their lives more produchas adapted. tive,” he said. By Phil Yacuboski
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I will
find the right ingredients to open my second restaurant.
Imagine what you can do with the right business credit and personal guidance. Let’s work together to discover your business credit options and how they can directly fuel your business goals. With our online resources, Credit Finder Tool, and skilled bankers, together we can help sustain and grow your business responsibly. Explore your options and apply at wellsfargoworks.com/credit.
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LEADERS in banking excellence September 2016
Leade r S i n ban ki ng exce LLe nce iS an adve rtiSi ng Su ppLe m e nt of th e n o r t h e a S t p e n n S y Lv a n i a b u S i n e S S J o u r n a L
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LEADERS IN BANKING EXCELLENCE
Women small business owners more optimistic on revenue and growth outlook
Women small business owners are feeling more optimistic about annual revenue and growth expectations than their male counterparts, according to the inaugural Bank of America Women Business Owner Spotlight, a study based on a survey of 1,000 small business owners across the country, focusing on the aspirations and pain points of women business owners. According to the study, 54 percent of women entrepreneurs expect their revenue to increase over the next 12 months, compared to 48 percent of male small business owners. In addition, 60 percent of women business owners expect to grow their business over the next five years (vs. 52 percent of men). The two main sources of funding used by women entrepreneurs as they grow include their business credit card (28 percent) and bank funding (23 percent). Year over year, women small business owners’ confidence has largely remained steady as their male counterparts’ confidence has declined. The number of male entrepreneurs who expect revenue to increase over the next 12 months has declined by 18 percentage points, and the number planning to grow their business over the next five years fell by 16 percentage points since spring 2015. Women’s revenue expectations and growth plans remained steady year over year, declining by 3 percentage points or less. “Female entrepreneurs are excited about the future and focused on the success of their small businesses. They are demonstrating much greater levels of optimism than their male counterparts,” said Sharon Miller, managing director, head of small business, Bank of America. “However, women small business owners do express concerns about certain areas, which they are taking into account as they continue to grow.” Women small business owners say the glass ceiling exists, but they are split on whether it limits their opportunities
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COMMUNITY NEWSPAPERS
A majority of both women (77 percent) and men (56 percent) small business owners surveyed believe the glass ceiling exists for some women and minorities. Despite a strong majority acknowledging the glass ceiling, women business owners are split on whether it directly affects them. While 54 percent of female entrepreneurs don’t feel impacted, 46 percent have felt limited by the glass ceiling at some point in their careers. Despite that, the majority of female small business owners believe they have the same access as their male counterparts to clients (79 percent) and outside resources (75 percent). However, 28 percent still feel they do not have the same access to capital as their male counterparts, and 25 percent say they don’t have the same access to new business. When it comes to hiring or managing staff, 79 percent of female entrepreneurs say they experience the same challenges compared to men, with an additional 8 percent saying they experience fewer challenges than their male counterparts. Female small business owners feeling empowered and successful When asked how being a small business owner makes them feel, 49 percent of female small business owners surveyed said it makes them feel empowered, 10 percentage points higher than their male counterparts. Fifty-four percent of women stated that it makes them feel successful, and more female small business owners reported it makes them feel more content (35 percent) than stressed (33 percent). Fifty-one percent of women entrepreneurs said they started their own business because they wanted to be their own boss, and 20 percent did so because they wanted to excel financially. Only 8 percent of women small business owners started their business because they were unhappy in their previous job.
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Economic concerns impacting women small business owners While both women and men small business owners share similar views on top economic concerns over the next 12 months, more women small business owners are concerned about: • corporate tax rates (54 percent of women vs. 45 percent of men); • strength of the U.S. dollar (59 percent of women vs. 45 percent of men); • and commodities prices (52 percent of women vs. 44 percent of men). Women small business owners are more likely to support raising the minimum wage; 55 percent of women entrepreneurs think raising the minimum wage would have a positive impact on the economy, compared to only 41 percent of men.
Bank of America Women Business Owner Spotlight GfK Public Affairs and Corporate Communications conducted the Bank of America Women Business Owner Spotlight Survey for the summer 2016 online between March 17 and April 19 using a pre-recruited online sample of small business owners. GfK contacted a national sample of 1,000 small business owners in the United States with annual revenue between $100,000 and $4,999,999 and employing between two and 99 employees. Bank of America serves individual consumers, small and middle-market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk management products and services. Visit the Bank of America newsroom for more Bank of America news.Visit bankofamerica.com.
LEADERS IN BANKING EXCELLENCE
Peoples Security Bank:
Business Succession: How do I get my money? This business is my retirement; how do I get my money out and turn it over to the kids without having to sell the place? If you own a business, this thought has probably crossed your mind more than once. For many business owners, their net worth is largely the value of their respective firms. The desire to pass the reins to the next generation is strong, especially if you inherited the company from your parents. Yet today’s taxing regulatory environment creates a financial burden on families when they pass on their businesses to children/family. A few legal alternatives may potentially allow you to transition the company on to the next generation, minimize estate taxes and still pay yourself along the way. One way would be to sell company stock to an Intentionally Defective Grantors Trust (IDGT). Key factors regarding an IDGT include: • Irrevocable trust, so assets sold or transferred to the trust are permanently transferred to the trust. As a result, these assets are excluded from grantor’s estate for estate tax purposes, including ownership in
a private company. • Due to the manner in which it is drafted, the trust is ignored for income tax purposes only and essentially treated as the grantor. • IDGT is grantor defective, which means all income, gains and losses realized by the IDGT flow through to the grantor who must report such income, gains and losses on his or her individual income tax return. Grantor’s payment of these taxes is not considered a gift. • Because of the grantor defective status of the IDGT, transactions between grantor and IDGT (the gift, sale, repayment of note) do not trigger income, gain or loss for the grantor. • Assets gifted or sold to IDGT will have carry-over basis in the hands of beneficiaries. • Grantor pays income taxes on the income of the trust even though the income is not distributed to the grantor. In essence, the payment of the tax is an additional taxfree gift to the trust. • Because the trust is treated the same
as the grantor for income tax purposes, the grantor can sell assets to the trust without recognition of gain, including private company stock. • The trust can be drafted to turn off grantor-trust status later. A sale to an IDGT is a wealth transfer tool designed to freeze an individual’s estate by moving future growth/appreciation of assets out of the individual’s estate for federal estate tax purposes. Using this technique, the grantor makes an initial seed gift to the IDGT using the grantor’s lifetime gifting credit (for individuals, a maximum $5.43 million in 2016) and then sells additional assets to the IDGT in exchange for a promissory note. The IDGT assets not used to repay the promissory note (and all growth/appreciation of such assets) pass to the beneficiaries of the IDGT (typically the descendants of the grantor). The assets transferred into the IDGT are ideally gifted/sold at discounted values (typically using marketability/minority discounts) to leverage the wealth transfer
capabilities of the IDGT. By exchanging rapidly appreciating, income-producing assets for a promissory note accruing interest at a fixed (and presumably low) interest rate, the grantor is able to freeze the value of the grantor’s estate and move all future appreciation on the gifted/ sold assets out of the grantor’s estate. Selling company stock to an Intentionally Defective Grantor Trust, if properly structured, may potentially afford a business owner the opportunity to minimize estate taxes, continue an income stream and intelligently transition the family business to the next generation. If you’d like to learn more, contact Peoples Security Wealth Advisors at Brad. Grubb@psbt.com. * This information is not intended to be a substitute for individualized legal advice. Please consult your legal advisor regarding your specific situation. Securities offered through LPL Financial, Member FINRA/ SIPC. Insurance products offered through LPL Financial or its licensed affiliates.
Are you Retirement Ready? world class advisors local decision makers 888.868.3858 or wealth@psbt.com
PEOPLES SECURITY WEALTH MANAGEMENT GROUP IS A TRADENAME UNDER PEOPLES SECURITY BANK AND TRUST COMPANY. PRODUCTS – NOT FDIC INSURED | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | NOT GUARANTEED BY THE BANK | MAY GO DOWN IN VALUE AND NOT A DEPOSIT.
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COMMUNITY NEWSPAPERS
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LEADERS IN BANKING EXCELLENCE
As market awaits election results, should we hoard cash?
CDFI certification for credit unions helps businesses that lack access to funding
Credit unions, especially smaller credit unions, can find substantial benefits from Could cash stuffed into a mason jar a good idea of how much risk you are becoming certified as community developtaking right now and how much of it and buried in the back yard be the best ment financial institutions, and the applicainvestment hedge against the unpredict- you want to reduce,” Conley said. “That tion process is becoming easier. able future this year’s presidential elecanswer won’t be the same for everyone.” CDFIs are specialized organizations tion will bring? He said there are a few things to conproviding financial services and products While no one actually encourages sider before anyone decides to join with in low-income communities to people and burying money, some financial watchthe cash hoarders. businesses who lack access to financing. ers have suggested that hoarding cash • Market reaction isn’t inevitable. The Community Development Financial — even as much as 50 percent of your Just because doomsayers think election Institutions Fund, a division of the U.S. portfolio — would be a smart way to results could negatively jolt the marTreasury Department, determines CDFI limit risk in case the market gets exket, that doesn’t mean it will happen. certification. traordinarily jittery once we know who “If you think back to the last election, The CDFI Fund’s mission is to generate the next president it produced a economic growth and opportunity by aswill be. result that was sisting people and businesses in economiBut not everyone very counter cally distressed communities in accessing agrees that strategy intuitive, with financial products and services. The fund is the right call — at the market offers tailored resources and innovative least not for all. rallying very programs that invest federal dollars along“Cash is an old strongly followside private capital. standby that cering the results,” The CDFI Fund and NCUA in January tainly works,” said Conley said. signed a memorandum of understandRich Conley, execu“I don’t know ing to streamline the CDFI application tive vice president many people process. The change will increase the and head of sales who would have number of CDFI-certified credit unions, for Sawtooth Soluguessed that, primarily from the ranks of existing tions (sawtootham. except those low-income-designated credit unions. com), a company that who believed The fund’s near-term goal is to add 265 provides technology the status new CDFI credit unions by the end of platforms that help quo would be 2016. NCUA’s Office of Small Credit Union financial advisors rewarded.” Initiatives will identify and reach out to manage their clients’ • Other eligible credit unions. accounts. options exist What are the benefits of “But raising cash besides hoardCDFI certification? could create unining. There CDFIs are eligible to apply for multiple tended tax conseare plenty of programs offered by the CDFI Fund that quences, so you will alternative provide direct funding through awards want to take that approaches or grants and indirect funding, such as into consideration to limiting through a bond guarantee program. For as well.” risk. But in choosing one, each investor CDFI credit unions, this could mean acConley said hoarding is something of should decide for themselves what they cess to grant awards that can help grow a loaded word. It suggests that people are are trying to protect against and what capabilities and further the mission of letting emotion creep into what should approach best matches their forecasted serving members and their communibe a disciplined approach to investing outcome and concerns. ties. CDFIs also can access resources and building wealth over time. • Issues to watch. The political issues such as technical assistance, training and “Hoarding may also be counterproduc- of particular concern to investors are capacity-building initiatives to support tive,” he said. “It may be a good idea for the same issues impacting the general their mission. some investors, but not for others. The electorate, such as national security, The CDFI Fund provided more than primary reason someone would want to public safety and the economy. Depend$200 million in grants and awards in 2015, hold a higher than normal amount of cash ing on who wins, the approach to those with more than $31 million going to CDFIis to reduce investment risks.” issues could be quite different, as would certified credit unions. The more credit Conley said he just recently had a be the effect on investors. unions that become CDFI-certified and lengthy discussion on the subject and “No matter what, we will have a new successfully apply for funding, the more its implications with Barry Mendelson, administration, and things change,” available CDFI Fund dollars can flow into CEO of Capital Market Consultants in Conley said. “There is risk in change and credit unions and help them improve Milwaukee. likely it will be quarters before there is members’ financial lives. “To reduce risks, you need to have clarity on the nature of that change.”
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CDFI Eligibility Requirements An organization must meet seven criteria to be certified as a CDFI: • Be a legal entity; • Be a financing entity; • Primarily serve one or more target markets; • Have a primary mission of promoting community development; • Provide development services in conjunction with its financing activities; • Maintain accountability to its defined target market; and • Be a non-governmental entity and not be under the control of any government entity. Fortunately, all credit unions meet a couple of these requirements, such as being a financing entity. Low-income-designated credit unions generally meet most of them. As of May, 276 credit unions, 27 percent of all CDFIs, had this designation. But more of the 2,348 low-income-designated credit unions could take advantage of CDFI Fund resources. CDFI certification application materials are available online now, but NCUA and the CDFI Fund are working to further streamline the application process for eligible credit unions. Under the streamlined process that will become available in the near future, NCUA will perform a substantial portion of the data collection and reporting on behalf of eligible credit union applicants. NCUA, not the credit unions, will use data submitted through the Automated Integrated Regulatory Examination System, otherwise known as AIRES, and assume responsibility for initially analyzing membership and lending activity necessary for CDFI pre-qualification according to the seven eligibility requirements. NCUA will conduct other analyses toward requirements that in the past was performed by applying credit unions. NCUA then will provide eligible credit unions with many of the data points required for the application, making that application easier. Working with NCUA assistance, interested and eligible credit unions will still be responsible for completing the few remaining data requirements and for directly submitting their applications to the CDFI Fund. Visit go.usa.gov/xgq9Q for more information.
LEADERS IN BANKING EXCELLENCE
Wayne Bank helps the community grow in new markets Catskills,” said Lewis J. Critelli, primary goal as a community bank Wayne Bank’s commitment to president and chief executive serving our business customer’s remains the same: To directly fund local officer of Wayne Bank. “Our aspirations and ambitions businesses with money that comes from tradition is a commitment to the the local economy and, as a result, is inspired recent organizational growth. communities we serve. We are reinvested back into it. Wayne Bank’s On July 31 of this year, Norexcited about new opportunities success is wholly related to the success wood Financial Corp., the holdto demonstrate our motto, ‘Help- of its customers. “Supporting our local businesses is esing company for Wayne Bank, ing the Community Grow.’ and Delaware Bancshares Inc., sential to the continued growth and pros“Wayne Bank works hard Critelli perity of the commuthe holding company for NBDC to serve the Bank, Walton, New York closed communiWayne Bank’s primary goal as nity we call home. We a merger transaction in which Norwood ties we reside in. a community bank remains the offer most everything the larger banks do,” Financial Corp acquired Delaware With growth, we have same: To directly fund local Bancshares Inc. Today 12 offices across explained Critelli, “but been able to improve businesses with money that in small town commuDelaware and Sullivan counties, New financial choices to a York have been completely integrated growing public, while comes from the local economy nity offices with local into the Wayne Bank network. building a team of proand, as a result, is reinvested people who genuinely “We have worked hard to make this care about helping fessionals committed back into it. Wayne Bank’s transition as seamless as possible, bring- to Helping the Commulocal businesses grow success is wholly related to the and thrive. ing new products, services and technolnity Grow.” success of its customers. ogy to thousands of customers across the Wayne Bank is comWayne Bank’s
mitted to offering a complete line of products and services that deliver comprehensive solutions to the challenges business owners face in today’s changing world,” Critelli said. In addition to long-time popular account options such as free business checking, Wayne Bank now offers mobile business banking, including the ability to deposit checks from a Smartphone. Wayne Bank continues to expand online payment options and improve the security of transactions with Apple Pay, PopMoney and EMV Chip cards. “Come into one of our community offices and let us show you why we’ve been a leader in service, value, and modern business banking solutions,” Critelli said. “Helping the Community grow is more than just a catchphrase — it has been our mission for over 144 years.”
Loans are subject to Wayne Bank’s credit policy. Certain restrictions apply. Ask for details. NMLS# 462082
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COMMUNITY NEWSPAPERS
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LEADERS IN BANKING EXCELLENCE
BANK Community Banking with a personal touch.
Member
FDIC
RECENT RECENT AWARDS AWARDS #1 Mortgage Lender in Lackawanna County 1 Mortgage Lender County 6 yearsininLackawanna a Row* 6 years in a Row* 2015 SAGE Award “Excellence in Leadership” 2015 SAGE Award “Excellence in Leadership” Top 200 of 900 Community Banks in the U.S. for Top 200 of 900 Community Banks in the U.S. for 3 years in a row - American Banker Magazine 3 years in a row -American Banker Magazine #
Star“Superior” “Superior” Rating Rating --2015 Bauer Financial 55Star Bauer Financial 2015 “Pillarsof ofthe the Community“ Community“ 2015 Federal Federal Home Home Loan Loan Bank Bank “Pillars
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Readers’ Choice forfor “Best Bank” 2015 Readers’ Choice “Best Bank” Times Tribune --Three years in a row! -The -The Times Tribune Three years in a row!
2015 Readers’ Choice “Best Bank” Readers’ Choice forfor “Best Bank” -The Triboro Banner - Three years in a row! -The Triboro Banner - Three years in a row!
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*Based on peer community bank and HMDA data
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Fidelity Bank committed to customers and community Fidelity Bank has created an employee It also means that you get the answers base and a culture that understands that you need as soon as possible. Fidelity Bank is very proud to stand behind its Five Day banking is not somewhere you go, but Guarantee on loan approvals. Apply for a something you do. Daniel J. Santaniello, president and CEO, Fidelity Bank, business loan, or a personal, home equity or mortgage loan, and with explained the bank’s mission: a completed application, Fidelity “Innovative tools and technology Bank will get you your decision allow customers to bank at any within just five business days. time and in any place, but to be That is the kind of responsiveness the best bank for our customers that is the hallmark of Fidelity’s requires a dedicated commitment customer service model. to local consumers and the busiCommunity banks, like Fidelness community. We put the needs ity Bank, loan approximately 90 of the customer first with every Santaniello percent of all deposits within their tool available to us. That includes local marketplace, leaving the not only expert financial advice but also the time and talent of 175 dedicated remainder on reserve for day-to-day banking bankers who believe in building strong, long- needs. That means nearly all of the money you deposit gets lent to qualified individuals, lasting relationships with our customers.” families and businesses throughout NorthFidelity Bank understands its relationships are built through outstanding customer east Pennsylvania to help local communities service, whether it’s in-person, online or from thrive and prosper. It’s Fidelity Bank’s reputation for this a mobile device. As new technology evolves, the bank commits to being on the cutting edge kind of customer service that has earned it the honor of being named Best Bank for of providing customers with the very latest three years in a row — by readers of both products and services to enhance their banking experience. At Fidelity Bank, that’s what’s The Times-Tribune and The Triboro Banner. For six consecutive years, Fidelity Bank called “Anytime Banking.” has not only led Lackawanna County in “We understand that our customer’s use residential mortgage loans, but has been the of time has changed, and we believe that it is imperative that we are available when our top community bank lender in Northeast Pennsylvania. Nationally, American Banker, customers want us, no matter the time, the for the third year in a row, honored Fidelity place or the channel,” Santaniello said. Bank by naming it a Top 200 Community With an educated and caring team of relationship managers, Fidelity Bank strives Bank in the Country. According to Santaniello, the bank is very to anticipate advancements in technology especially when it comes to helping business proud of the accolades it has received, but customers stay one step ahead of their com- it’s most proud of how its team has earned these honors. “We are a community bank petition. Whether it’s doing more banking that strongly believes in relationships,” in less time with remote deposit, or saving hundreds of dollars a year by issuing payroll Santaniello said. “We want to help all our customers to succeed both personally and cards instead of traditional paper checks professionally, and we take our role, as their to employees, Fidelity Bank provides a full trusted financial advisor very seriously,” he line of tools designed to run a company’s added. finances as efficiently and conveniently Fidelity Bank has built a strong history as possible. Its dedicated team of business as a trusted advisor to its customers and is services professionals can help companies improve cash flow by expediting receivables, proud to be an active member of the community of Northeastern Pennsylvania. With controlling payables and providing the 10 branches located throughout Lackawanna resources to manage money anywhere and and Luzerne counties, Fidelity Bank offers at any time. Part of the benefit of being a locally based full-service trust and investment departments, a mortgage center and an array of community bank is that decision-makers personal and business banking products and live, work and play in the same communities services. The bank provides 24-hour, sevencustomers do. There aren’t multiple layers of day-a-week service through branch offices, red tape which means capitalizing on ideas and bringing new products and services to the online at bankatfidelity.com and through the marketplace is faster and more efficient than customer care center at 800-388-4380. at big box banks.
LEADERS IN BANKING EXCELLENCE
The Dime Bank supports individuals and communities Trusted, dependable banking. That is commercial loan-producing lenders, ranked what The Dime Bank is all about. as number 15 out of the top 75 comServing Northeast PA for over 110 munity banks with $500 million to years, The Dime Bank has been $1 billion in assets. The ICBA used assisting local businesses reach the loans-to-assets ratio from the success and helping individuals 2015 call data report to determine meet their life dreams. the rankings and the ICBA member Pete Bochnovich, The Dime community banks needed a Kroll Bank’s senior vice president and Bond Rating Agency rating of their chief lending officer, stated. “At The financial condition of C or higher. Dime Bank, we strive to be our com“This recognition supports Bochnovich munities’ total financial partner and all that we believe in – to provide we believe our personal attention to trusted, dependable banking to their needs makes a difference to our customhelp our communities grow and to enrich the ers. They come to us because they believe in quality of life in our region. We offer great us. Trust, value, and financial solutions are deposit products to our customers so those the basics of a solid relationship between The deposit dollars can be safely turned into proDime Bank and our customer base.” ductive loans for small businesses. We work This is certainly true for The Dime Bank diligently to support our business customers as they have received two honors this year by investing in them. This is what helps our to support and recognize all they do for their local economy grow and our neighborhoods customers and our communities at large. thrive,” stated Pete Bochnovich. FHLBank Pittsburgh presented The Dime In addition to the personal touch, The Bank with its Pillars of the Community Dime Bank has a suite of electronic services Award in recognition of the Dime Bank’s and cash management tools designed to save commitment to community revitalization. businesses time and money. “We are honored to be recognized as a Pillar Many of The Dime Bank customers are of the Community by FHLBank,” Peter happy to give out accolades! “The Dime Bank Bochnovich said when he accepted the award was an integral component of our startup,” on the bank’s behalf. “We thank the FHLone customer told the bank. “We could not Bank for partnering with The Dime Bank to have done it without you.” Other customers assist in the growth of our communities.” At have called The Dime Bank “good business the award presentation, John Bendel, FHLpartners for sure” and offered such praise Bank’s director of community investment, as, “In all of my 60 years of life, I have yet to spoke about The Dime Bank’s community experience a better banking system,” and, achievements. Those include using the Bank- “When we walked into The Dime Bank, we ing on Business program to help 11 small felt like we were in a real bank, the way the businesses either start up or expand, and banks used to be. We were impressed.” helping first-time homebuyers with closing The Dime Bank is a great community costs and down payments through the First bank and is clearly vital to our economy. Front Door program. Additionally, last year, Just as you care, The Dime Bank cares about The Dime Bank used more than $10 million our collective future. The Dime Bank makes in funding from FHLBank’s Community financial donations to hundreds of local Lending Program to provide low-interest and national organizations. The Dime Bank loans that supported three community employees and board members volunteer projects: a senior living facility, a personal their time and support to local community care center, and job creation at a local small projects including charities, health organizabusiness. tions, civic groups, churches and synagogues, FHLBank also presented a $1,000 check and more. on The Dime Bank’s behalf to Habitat for As an independent community bank, The Humanity of Wayne County as part of the Dime Bank has been helping customers meet award. Habitat for Humanity builds, repairs, their financial needs since 1905. Serving its and renovates houses with the help of primary market of Northeast Pennsylvania, volunteers to help connect people in need to the bank offers a full array of financial seraffordable housing. vices and solutions. To discuss how The Dime Additionally, the honors continued when Bank can take your business to the next level, The Dime Bank was recently recognized by please contact: Pete Bochnovich, 570-253-8742 the Independent Community Bankers of x 7131, pbochnovich@thedimebank.com. America (ICBA) as one of the nation’s top
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LEADERS IN BANKING EXCELLENCE
Parents teach kids piggy-bank savings But that’s not enough, say the experts
tions, and that is exactly what U.S. Bank Students look to their parents for is working to prevent.” guidance on personal finance however parents aren’t comfortable teaching them U.S. Bank is breaking through with about important topics such as credit and relatable advice, tools and resources for saving for the future, according to results students and parents on Student Union. of the inaugural 2016 U.S. Bank Parent Geared to 18- through 24-years-olds finishFinancial Education Survey. The survey ing high school or in college, U.S. Bank examines the attitudes and philosophies offers scholarship opportunities to stuaround financial education among pardents who complete online lessons about ents of 18- to 24-year-old college students. personal finance. For parents, U.S. Bank offers this “Everything kids know about money, they learn from their parents,” said Robyn advice — have the conversation. Most parents (56 percent) say their student is “not Gilson, U.S. Bank Coach for Student Financial Education. “The problem is, many very” or “not at all” involved in family parents are not confident teaching beyond finances, which is a great place to start. piggy bank saving and basic budgeting — “Being financially fit is vital to a missing important topics like credit and healthy, happy life,” Gilson said. “Talksaving for the future.” ing to teens about Most parents are Many of the parents surveyed money should be as routine as brushing comfortable teachwho are talking about your teeth or grocery ing about saving in credit may be misinformed shopping. Look for general (77 percent) and themselves. More than half everyday moments to budgeting (66 percent). have the conversation, Roughly half are teachof the parents incorrectly know their friends ing about building and believe their bank balance and at the bank are great maintaining credit (54 affects their credit score coaches if the topics percent); however, far fewer teach about sav(51 percent) and that using are more than parents ing for retirement (32 checks/debit cards can help want to tackle alone.” percent) and investing To help parents start build credit (52 percent). money (30 percent). The these conversations, gap in understanding of U.S. Bank asked a few credit and saving for the future presents of its banker-parents to find everyday a problem as many students may face moments to talk about money with the mounting student loan debt that they need young adults in their lives. Conversations to plan for and manage. took place where parents with children at Many of the parents surveyed who are that age usually have the most meaningful dialogue — in the car, at the basketball talking about credit may be misinformed themselves. More than half of the parents court or over a meal. incorrectly believe their bank balance affects their credit score (51 percent) and About the Parent that using checks/debit cards can help Financial Education Survey build credit (52 percent). The 2016 U.S. Bank Parent FinanIn the survey, parents said their cial Education Survey was an online, biggest area of concern in how young quantitative survey of 1,542 parents of people approach money is that there’s too undergraduate students (18- to 24-yearsmuch reliance on mom and dad. They’re old), conducted in May 2016. Parents were also concerned that students don’t have between 36- and 70-years-old and reflected enough concern with long-term goals and the U.S. parent population with regard to don’t understand the importance of savrace and gender, in accordance with the ing for the future. 2014 American Community Survey (ACS). “The stakes are high once kids go to Half were men, and half were women. college,” Gilson said. “Instead of managing a weekly allowance, they’re managing About U.S. Bank Minneapolis-based U.S. Bancorp (NYSE: USB), scholarship money and student loans. with $438 billion in assets as of June 30, 2016, is They need to be confident about credit the parent company of U.S. Bank National Asand planning for the future, otherwise sociation, the fifth largest commercial bank in the the impact is costly. Worse yet, bad habits U.S. The company operates 3,122 banking offices in 25 states. Visit U.S. Bancorp at usbank.com. may be passed along to future genera-
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COMMUNITY NEWSPAPERS
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Community Bank’s commercial banking draws on past lessons for today’s customers
Banking is at once purely professional and yet intensely personal. Walking into a bank, customers lay out their precise worldly value, hopes and dreams, and the fears that keep them awake at night. The banker sitting across from them must be not only trustworthy but also experienced enough to guide them through a bewildering financial forest. That forest is familiar territory for Bob Matley, regional president of commercial banking at Community Bank N.A., and his team. Seasoned financial veterans, they share over 300 collective years of experience in the banking landscape. “As a banker, you gain experience as you go, but someone who’s been around for a while can cut to the chase and provide quick and quality service to customers,” Matley said. He added that although the ebb and flow of markets are largely ethereal in nature, concrete, face-to-face experience with customers is the only way to become an expert in the field. And though the bankers on Matley’s team have a wide breadth of experience in the financial world at large, many have made Community Bank their home. “A good number on our team are long-term employees,” Matley said. “Several of them have been with Community Bank for 20 years or more — that gives the commercial banking division a real sense of stability.” Matley himself has been a banker in Northeast Pennsylvania for more than 40 years. He said that during that time, he’s gotten to know his clientele
and the face of the local market — a boon for anyone giving financial advice. “We’ve weathered the cycles of up and down in this region,” he said. “One thing about the Northeast Pennsylvania market — in general, we don’t have the boom and bust like Texas, California or Florida.” He added that those conditions help them predict what Matley called the “chatter up and down” of the local market. The trends that may surprise someone from a more volatile or broader market play like a familiar tune to those in the Community Bank commercial banking group who have for decades watched the region’s financial tide roll in and out. This familiarity with the market allows the bankers to pull strategically from a range of tools customers can use to plan for their future and make the most of current trends. Historically, commercial bankers were called lenders and relegated themselves to helping others build and expand commercial ventures with bank funds. Lending is still a key component of Community Bank’s commercial repertoire. Services range from lines of credit that increase a business’ flexibility for short-term expenses to larger loans that help expand a business’ footprint or upgrade equipment. On the other hand, the hallmarks of commercial banking have grown to meet modern technological abilities. With Community Bank’s commercial online banking, customers manage their accounts from anywhere
at any hour by granting access to their key employees. With this access, users make loan payments and advances, access account balances, history and memo entries, and download financial data into existing accounting software. According to Matley, knowing which tools to recommend is only half the equation. The other is knowing the customer. And again, experience in the local market makes the difference. “We are relationship bankers,” Matley said. “We work with people and make them comfortable with us.” The fact that many of these bankers have lived, worked and played for years in the same communities as their customers means they already have a shared context with the people walking through the door. “Customers get comfortable with a particular banker,” Matley said. “I think to some degree we’re all creatures of habit. You want to do business with someone you know and be treated like a valued customer and member of the community — not just a cell on a spreadsheet.” This blend of experience in the field, focus on the shifts of the local market, cutting-edge services and focus on customer care is the essence of the Community Bank N.A. commercial banking secret sauce. “We believe our customers seek bankers who don’t just lend money and take deposits, but someone to rely on as a trusted adviser,” Matley said. “That’s what we provide.” That level of trust has been fostered over the last 150 years – a milestone anniversary Community Bank N.A. celebrates this year. From modest beginnings in 1866 with a single branch and handful of employees, the bank has grown substantially, thanks to dedicated teams like Matley’s. Today, Community Bank N.A. operates more than 190 customer facilities across upstate New York and Northeast Pennsylvania through its banking subsidiary, Community Bank N.A. With assets over $8.5 billion, the DeWitt, New York-headquartered company is among the country’s 150 largest financial institutions. More information about Community Bank System Inc. can be found at communitybankna.com.
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Pictured L-R: John Pekarovsky, Neil King, Warren Rozelle, Richard Kazmerick, Mary Beth D’Andrea, Matthew Dougherty, Robert Matley, Paul Baynum, Stacia Arnaud, David McHale, Edward Nork, Joseph Tomko and Walter Sarafinko.
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COMMUNITY NEWSPAPERS
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LEADERS IN BANKING EXCELLENCE
ESSA Bank & Trust committed to growth in the community When Stephen Patterson entered the bankment, qualities that he brings to his position ing industry over 29 years ago, the at ESSA Bank & Trust. Patterson professional landscape was vastly joined ESSA in July as senior vice different than what it is today. Many president and chief lending officer. banks, including the bank where His experience across the whole Patterson started his career, were spectrum of finance includes comoffering young professionals the mercial lending and underwriting, opportunity to take part in manageindirect car lending and customer service. Patterson is excited for the ment trainee programs. These progrowth opportunity at ESSA. Curgrams provided training in financial rently touted as a community and corporate culture and relationship Patterson small regional bank reaching from philosophy, role-specific skill developWilkes-Barre through Stroudsburg ment, branch training, and handsand the Lehigh Valley into Chester and Delaon experience across all departments. The ware counties, ESSA empowers its customers exposure to the various banking positions was intended to lead the trainee to the position best to bank confidently. “We want customers to be successful in suited for their skill set. However, modern banking institutions have what they do,” Patterson said. “Instilling configotten away from this practice. National banks dence in our customers is the only way to drive success. This is a message we start with our are now looking to hire people into specialCEO, who carries it to all of our employees.” ized positions as opposed to letting experience One of the ways Patterson has done this guide the candidate to the position that works is to establish a philosophy rooted in the best for both the individual and the business. organization—a foundational pillar of success This is due to increased compliance and reguthat promotes employees as experts in their latory costs that banks are bound to. field, drawing on their experience to ensure the Patterson’s experience across a variety success of their customers. of banking fields fostered his commitment “More so than big banks, the future growth to business growth and community involve-
at regional and community banks is contingent upon customers’ comfort in their banking relationship, which in turn breeds confidence,” Patterson said. “A confident customer is a customer that can make smart transactions and profitable decisions.” At ESSA the community also plays a prevalent role in business growth. ESSA boasts a rich tradition of community involvement and is celebrating its 100-year anniversary in November. This heritage starts with its community and transcends through its employee base. Patterson encourages employees to be involved in nonprofits, civic organizations, athletic groups and more. Last year, ESSA employees clocked more than 5,000 volunteer hours in the community. The company also serves area residents through the ESSA Bank & Trust Foundation, formed in 2007. To date, the foundation has awarded more than $10 million to community health and housing-related programs, education, arts, and park and recreation groups. Continuing his professional growth theme, Patterson urges bankers to get involved in networking groups and join local chambers of commerce to expand and develop a strong contact base that leads individuals to become
successful bankers. Anyone that knows Patterson will say, “Steve knows everyone.” This is something he is proud of because he credits his own personal career success to the help of others. “My expansive network of professional resources and contacts have lead me to where I am today. The whole idea is to have a referral network that leads to success. And the cherry on top is that these connections lead to strong friendships outside of the business arena.” Stephen Patterson’s primary responsibilities at ESSA include overseeing management, direction and development of commercial and consumer lending functions. In the community, Patterson is the immediate past chairman of the board of governors for the Greater Lehigh Valley Chamber of Commerce and serves on its executive and nominations committees. He is president of the Wilson Area Partners in Education Foundation and is treasurer of the Riegelsville Union Cemetery. Patterson has also served on many other nonprofit boards and committees, in which he filled the roles of chairperson, cochair, director and treasurer. Patterson resides in Williams Township with his wife and three daughters.
Commercial loans are available at any bank. You’re committed to giving your customers an end product that meets their
needs. At ESSA, we share this commitment by helping you find the right loan solution for your business—when and how you need it.
Confidence isn’t.
You love what you do. It’s our job to help you do more of it. It’s time to start banking confidently.
877-630-3410 | essabank.com/business Equal Opportunity Lender • Member FDIC
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COMMUNITY NEWSPAPERS
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LEADERS IN BANKING EXCELLENCE
NBT offers top banking tips for commercial customers
Keeping your business up and running can be rewarding, but it also can be risky and time-consuming. Whether you have been in business for several years or have just completed your first fiscal quarter, it’s always important to take some time to review your business’s financial health.
2. Make sure the purpose of a loan matches the source of repayment. In other words, don’t use short-term working capital loans to purchase longer-term fixed assets.
cards are used – including parameters for employees with business cards. The mobile app also allows cardholders to “turn off ” and “turn on” the cards as another safeguard, and provides real-time alerts based on the parameters.
3. Don’t just ask your banker for the Every organization’s situation interest rate. Since 6. Review 401K/ is different. That’s why it is critiyour likely rate is profit sharing plans cal you work with a banking team matched to the overall and alternate plans that knows and understands your risk of the loan, ask at least annually for business. By connecting with what financial condicosts or hidden fees. commercial banking specialists tions will get you the Consider a plan that at your bank, you‘ll benefit from best rate. Keep your receives revenue from an experienced team that can help bank current with the investments in the you identify additional useful bank financial information Ciak plan rather than one products and services. They may and maintain commuthat is paid by commisalso be able to refer you to others nications with them so sion to ensure integrity who can help your business, such that expectations can in the process of investas professionals in selected fields be met. ments. Also, make sure or local trade groups — great for your provider offers networking. Ask questions, chalregular education lenge them and get second opin4. Remember when classes for your employions to help you make the right applying for a loan, ees at least annually. choice for your organization. past performance is the best indicator of To help you ask the right quesfuture success. Busi7. Have an investtions, Tom Ciak, senior vice ment policy with a president and NBT Bank commer- nesses that are consistently profitable, have defined investment Cahill cial banking regional manager, reinvested into their process. And consider and David Cahill, vice president business, and have a converting to a Safe and regional manager of wealth solid repayment history are more Harbor Plan or a New Compaand institutional services at NBT likely to receive the loan they need. rability Plan, which may enable Financial Group in Pennsylvania your organization’s principal(s) to offer simple strategies that may increase the amount of their annual help business owners get the most 5. Consider new banking contribution. from their banking relationships. technologies for more efficient NBT Bank’s commercial banktransactions and increased ing team provides personalized fraud protection. Card man1. Consult your inner circle deposit, lending, retirement planagement tools like NBT Bank’s before taking on new debt. ning, investment and cash manCardValet® allow cardholders to Contact your bank, attorney, acagement services. NBT Bank has countant and even your insurance monitor their accounts directly been designated by the U.S. Small with their smartphone and control agent, and let them help analyze Business Administration (SBA) as when and where their debit card is how the additional debt will ima preferred lender to approve loans pact the business not just today but used. Cardholders with CardValet that result in faster service to local can set parameters how their debit in the future. SEPTEMBER 7, 2016 TS_CNG/SPECIAL_SECTION/PAGES [L11] | 08/30/16
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small business owners in need of capital. The bank has been granted the authority to process, close and service most SBA-guaranteed loans, and make credit decisions, without prior SBA review. NBT Financial Group offers wealth management and financial planning solutions with expertise in trust and fiduciary services, investments, retirement planning and risk management.
NBT Bank offers personal banking, asset management and business services through a network of 154 locations in six states, including New York, Pennsylvania, Vermont, Massachusetts, New Hampshire and Maine. NBT Bank and its parent company, NBT Bancorp Inc., are headquartered in Norwich, NY. NBT Bancorp had assets of $8.6 billion as of June 30, 2016, and is traded on the NASDAQ Global Select Market under the symbol NBTB. More information about NBT Bank and NBT Bancorp can be found online at www.nbtbank.com and www. nbtbancorp.com. The views expressed in this article should not be construed as investment advice. Business owners should seek advice from an independent third party such as their financial planner, tax advisor or credit counselor. Member FDIC.
COMMUNITY NEWSPAPERS
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Strong relationships are always good for business. At NBT Bank, we’re all about helping you get the most out of your partnership with us. Our dedicated relationship managers will get to know your business and connect you with the products and services you need to meet your goals. It’s the personal side of business banking—and for businesses big and small, it counts. Thomas Ciak Regional Commercial Banking Manager 570.718.1713 Member FDIC
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All credit decisions subject to credit approval. © 2016 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.
NORTHEAST PENNSYLVANIA BUSINESS JOURNAL SEPTEMBER 2016 17 TS_CNG/ADVERTISING/AD_PAGES [ADB16-17] | 08/31/16
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CELEBRATING WOMEN ENTREPRENEURS
My summer as a women’s entrepreneur center intern
different forms of business and how to choose the best fit, and several handouts on topics such as As I left for The University of Scranton at the break-even analysis and cash flow. One speaker end of summer in 2013, I knew one thing: that in spoke to the women about financing and how four years I would finally be able to start my career to achieve a good credit score. The women had in the medical profession. Now, when people many questions on this subject. Another speaker ask what my major is, I tell them from physics to talked about her career in marketing and how she finance. I usually get a chuckle or two and often get started her own business. She also opened up asked why the switch? I never had a set direction; about the hurdles she overcame, which many of nurse, pediatrician, oncologist, I just really focused the women could relate to. on the fact that I was going to one day be able to I was so lucky to realize early in my college help the people that needed my care. I started my career that it is OK to change your mind and that first day of college knowing exactly what I was go- there are multiple ways to help people. If I didn’t ing to do, and by the end of the week — I was lost. change my mind and switch my major from Physics ended up not being for me, and I also real- physics to finance, I wouldn’t have taken adjunct ized the medical profession would not be for me, professor Donna Simpson’s class. I wouldn’t have (I’m too squeamish). Really taking time to think been asked to be her summer WEC intern, and about my major, I decided to take my first step into I wouldn’t have had the opportunity to assist in the world of business and declared a major in fihelping the wonderful women that I met in the nance. Through the past three years, I have learned StartUP program start their own small businesses. something that seems so obvious now; there are Lauren Pluchinsky, 2017, is a University of Scranton many ways to help others, and this major is going Women’s Entrepreneurship Center intern who works under the supervision of Donna Simpson, consultant manager. to lead to a profession that will do just that. To achieve an accounting minor, I took an acThe University of Scranton Women’s Entrepreneurship counting elective which led me to adjunct professor Center (WEC) and Small Business Development Center (SBDC) are teaming up to offer “StartUP” a six-week Donna Simpson, also a business consultant at the certificate program designed for women with lower inScranton Small Business Development Center. She comes, those in transition or those trying to make a betrecruited me to be a Women’s Entrepreneurship ter life for themselves and their families, the program will offer women support and guidance in determining Center (WEC) intern at the SBDC. On my first day I didn’t know what to expect, but I was ready to get if entrepreneurship is an option for them. The series will be held in Scranton on Tuesdays, beginning Oct. 4 to work. That day, I learned I would be assisting and ending Nov. 8, from 5:30 to 8:30 p.m. Francene Dudziec with our WEC StartUP program Facilitated by experienced SBDC consultants, the that very evening. The StartUP program was series is designed to give lower-income women the created several years ago and allows for women step-by-step guidance needed to develop successaround the area to attend a six-week entrepreneur- ful small businesses. Participants in this interactive program will learn start-up basics, legal and insurance ship training program. considerations, marketing and social media essentials, We handed out a questionnaire which helped business plan development, accounting and budget us to become more familiar with the attendees and skills, financing options and requirements, and goal the type of businesses they wanted to start. I could setting. Local women business owners will also visit tell by our first meeting that the women were really the sessions to share their experiences. The series is offered free of charge. Space is limited excited to be there and to get their dreams on the and applications are reviewed first-come, first-served. way. By the second week, the women had their To apply, call Francene Dudziec at 570-941-4168 or business plan templates, and many began to ask email francene.dudziec@scranton.edu. for more information such as demographics of the The University of Scranton Women’s Entrepreneurship area, competitors and geographic locations, so I Center is a partnership between the Small Business helped them gather information. The women were Development Center (SBDC) and the Kania School of Management (KSOM) that utilizes experienced SBDC extremely grateful, which made me even more consultants along with carefully selected KSOM student thankful that I had this opportunity. interns. The interns are highly skilled, and enhance the The Start Up program features presentations work done by consultants by assisting with training, on organization, naming a business, accounting, conducting research and completing projects.
By Lauren Pluchinsky
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SEPTEMBER 2016
LEADERSHIP
Vistage peer advisory group promotes women’s business interests This peer advisory session is only part of the monthly meeting when members meet to work Picture yourself as one among on their businesses, as opposed a select group of trusted, caring to work in them. Another part peers who meet in a confidential of the day is the visiting expert setting for no other purpose than workshop. Through the Vistage to learn, grow and promote each Speaker Bureau, members have other’s success in life and busidirect access to world renowned ness. If you can, then you have experts and keynote speakers on a view of what the Vistage peer a vast list of topics. Farrington advisory experience is all about. Imagine being one of 16 One day a month, Vistage people in an up close and permembers meet to discuss the issues they confront sonal interactive workshop with Dr. Andrea Simon, in business and gain actionable insight and fresh business anthropologist and expert on Blue Ocean ideas from confidants with varied experiences and Strategy and Innovation Games, or with Bob different perspectives. Prosen, author, TV personality and noted authority One of our Vistage members puts it this way: on the attributes of highly profitable businesses, or “In that room I get to sit with people who have, Don Schmincke, an expert on gender and leaderor have had, many of the same challenges I have. ship, whose works have been published in 10 Combined, they’ve got more experience and languages. These are but three of the Vistage greater expertise to share with me than I will gain in a lifetime on my own.” By David Farrington, Vistage program chairperson
Please see VISTAGE, Page 20
FROM PAGE 1
nel for promotion to leadership positions are selected from among the top producers of tasks within an employee base. This promotion then removes the employee from their proven comfort zone. Yet, the ascent to leaders comes with no training, developmental process or mentoring for leadership. “The promoted employee has only been trained and proficient at a production task, and they wind up being a poor manager and leader,” Puleo said. Training, mentoring, professional evolution and hard work must therefore accompany the promotion from producer to leader. Above all, the new leader must never use the old command and control style of managing, which is applied with the “stick” of negativity. “This is especially true with the millennials, who won’t put up with that aggressive leadership style,” Puleo said. “Leadership is now about collaboration, and the delivery of a simple thank you can be very helpful.” Evolving roles Mary Malone, president of the Greater Hazle-
ton Chamber of Commerce, said that modern leadership skills must include listening, taking action and an element of effectively assessing people. The situations presented to female leaders are also evolving, and often depend on varying environments. Malone is a member of a military family. Her husband is a retired career military officer, and her daughter is enrolled at West Point. Women have been among the student base at West Point now for three decades, and Malone has learned that leadership roles by gender, even within the military, are not as black and white as they used to be. “Therefore, leadership evolves,” Malone said. She added that one of her favorite passages about leadership was promoted by Emanuel “Jim” Rohn, an entrepreneur, author and motivational speaker. According to this philosophy, the challenge of leadership is to be strong but not rude; be kind, but not weak; be bold, but not bully; be thoughtful, but not lazy; be humble, but not timid; be proud, but not arrogant; have humor, but without folly. “I try to live and lead this way every day,” Malone said.
HEALTH FOCUS: ONCOLOGY, SCREENING AND TREATMENT
The scourge of pancreatic cancer lies in the fact that most curable, early disease has no symptoms Smoking risks Kyo Chu, M.D., surgical oncologist with Geisinger Medical science has not yet found a “magic bul- Wyoming Valley Medical Center, noted that cigarette let” in the treatment of pancreatic cancer, smoking creates the highest known but steady progress is being made in risk factor for pancreatic cancer. Other dealing with this deadly disease, including contributing factors include a diet high in incidences of remission. fats and red meat, an elevated body mass The pancreas, which lies deep within index, chronic pancreatitis and a lack of the abdomen, is part of the digestive physical activity. system. It secretes enzymes that aid in Hereditary risks are also applicable, digestion, as well as hormones that help but cancers from genes that have been Chu regulate the metabolism of sugars. passed down are less frequent than those Pancreatic cancer is one of the related to behavior. According to Chu, scourges of oncology because there are 15 percent of pancreatic cancers can be usually no symptoms in the disease’s traced back to inherited risk. early stages. In most cases, symptoms “The pancreas is at the center of the only develop when the disease has abdominal area, and unless a blockage of reached an advanced stage, and by the the bile duct occurs, any physical probtime of diagnosis the cancer has spread to lems caused by the cancer usually are other locations. not noticed by the patient,” Chu said. “By Ali According to the National Cancer then, it’s too late to achieve remission.” Institute, in 2013, there were an estimated Research is ongoing with attempts to 49,620 people living with cancer of the pancreas in find chemical flags, known as biomarkers, that panthe United States. In 2016, it is estimated that there creatic cancer patients would produce. Location of a will be 53,070 new cases of pancreatic cancer and biomarker would be a huge achievement in pancreatic an estimated 41,780 people will die of this disease. cancer screening, but Chu emphasized that discovery Pancreatic cancer is the third leading cause of cancer of any relevant “signposts” is not on the horizon. death in the U.S. Therefore, dealing with pancreatic cancer Physical symptoms of pancreatic cancer can presents special challenges for physicians. Chu include discomfort in the abdomen or back, fluid emphasized they must remain optimistic and look at retention in the abdomen, nausea, fatigue, loss of each case’s positive specifics. appetite, dark urine and weight loss. Often, the first “I can speak for all of our oncologists in that we real sign of trouble is a jaundiced appearance in the are now able to help many patients, and remission skin and eyes. does happen,” Chu said. “We’ve come a long way, By Dave Gardner
Time-Honored Care
RECOGNIZED MEDICAL EXCELLENCE
Please see PANCREATIC, Page 21
THE VNA DIFFERENCE... SINCE 1895
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HEALTHCARE
Medical Oncology Associates, a comfort during the battle So for years, we’ve been trying to boost the immune system in a variety of ways,” he For the past 40 years, Dr. David said. “What immunotherapy does Greenwald’s practice at Medical is it fights those protein barriers,” Oncology Associates in Kingston he said, leaving the immune system has operated in home-like comfort to attack the cancer cells directly. to treat and relax people fighting “It’s an incredible breakthe toughest battle of their lives. through,” he said. “And by in Treatment over the years has large, 95-percent of patients don’t become more effective, he said have side effects. There’s no pointing to immunotherapy, where sickness, hair loss or other things the patient’s immune system that are usually associated with battles the cancer cells. chemotherapy.” “There’s almost been exploChemotherapy treatment is Greenwald sion of it over the past few years,” getting better too, Greenwald said. Greenwald said. “It’s a whole new way of treating “Treatments were like keys,” he said. “And if you cancer cells.” had the right key to open up that door, then it was a He said cancer cells build up over the years major breakthrough.” and protect themselves against attacks from the He said there are still drugs that do that, but body’s immune system by using protein barriers. added immunotherapy has really become a stellar Immunotherapy breaks down those barriers. treatment of cancer cells. “This has always been an issue. Why is it that “It allows our immune system to work by our immune system can’t fight these cancer cells? lowering this blockade or fence that cancer cells By Phil Yacuboski
David W. Greenwald, M.D. Bruce H. Saidman, M.D. 382 Pierce Street, Kingston, PA 18704
570-288-7231 www.MOAWV.com
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put up,” he said. So what’s the future? Greenwald said he believes research companies will find and identify more barriers along with more specific drugs to fight the cancer cells. Northeastern Pennsylvania has high incidences of colon cancer, according to Dr. Greenwald, but he said he’s not sure why. His office sees its fair share of lung and breast cancer and said those are common just about everywhere. “Just about everywhere we’re seeing more pancreatic, stomach and esophageal cancers,” he said. “Where the stomach and esophagus meet, there are high rates of cancer and almost 30 years ago, we never saw it. Thirty years ago we saw once case of pancreatic cancer every three months; now we see it almost every week. There’s just been an explosion of these types of cancers.” And just like colon cancer, he said no one knows why these cancers are becoming so common. However, people no longer have to feel like they need to leave the northeastern Pennsylvania to get treatment at a major metropolitan hospital — that
care, he said, can be found right here at home. “The vast majority of treatments can be done locally. That’s been the case for the past 30 years,” he said, adding that treatments are pretty much standard worldwide. “There are patients, however, that have to be sent out of town for rare tumors and surgery that requires a certain expertise for a rare procedure that might be done only by a few surgeons.” Greenwald said that for immunotherapy patients who require a stem cell treatment, they would be sent to a large hospital. He said cancer doctors get training from the big cancer hospitals like Sloan-Kettering and Fox Chase, which he said have great reputations for treatment. Greenwald’s practice is solely based in general practice medical oncology. He’s been with the practice for almost 40 years. There are three doctors in the office. “People are kind to one another here and everyone interacts,” he said. “It tends to be the most comfortable office that patients ever come to. That’s what people need to know, so that people wouldn’t be so anxious when they come here.”
FROM PAGE 18
of business owners and senior executives and the additional benefits offered in this women-focused Vistage group. These benefits include access to the proprietary Vistage member web platform, membership in the Vistage Women in Leadership Network and one-to-one leadership coaching. We invite you to join us on Friday, September 23 to learn more about Vistage firsthand. Please note: You must register to attend this event so that we can plan for space, food and hand-outs. Please call or text your name and contact information to 570-878-1654. Our space is limited, but we will make every attempt to accommodate those who register for this event.
Vistage continues speakers who will join us in Scranton during the next several months. Our first Vistage group in the valley started five years ago. The second group is now two years old. The membership of both Vistage groups comprises business owners and chief executives of very substantial, well-known companies in NEPA from Carbondale to Dallas, Tunkhannock to Hazelton and many communities in between. To launch our third group, we are holding an organization event at Glenmaura National Golf Club on Friday, September 23 from 8 a.m until noon. This group is specifically designed for women business leaders who own and run smaller businesses, who run non-profits and similar enterprises and who hold upper management jobs, other than president or CEO, in larger companies. The half-day agenda will mirror a full Vistage meeting day with a speaker workshop and peer advisory session. The interactive speaker workshop will be led by Bob Thurman of Counter Attactics. Bob is a widely recognized expert on women’s self-defense. There will also be an overview of Vistage Worldwide, the leading international organization
WOMENTUM
A women’s Vistage program for personal and professional leadership and achievement
ORGANIZATION EVENT Friday, Sept. 23, 2016 Glenmaura National Golf Club To attend, call or text 570-878-1654
HEALTH FOCUS: ONCOLGY, SCREENING AND TREATMENT
FROM PAGE 19
with many advances during the past two decades, and look now to optimize the effectiveness of all available treatments.” Decreased risk with pancreatic surgery and better processes resulting in superior outcomes are among the specific treatment advances Cho outlined. Newer chemotherapies, with minimal side effects, have also become more effective, particularly during the past 10 years. Geisinger’s treatment team uses a comprehensive effort that includes palliative care, social support and dietary management. While this approach is regarded as vital to all cancer treatments, it is especially important with pancreatic cancers and has been proven to reduce suffering. Extensive research to better understand pancreatic cancer is also ongoing around the globe. Researchers are looking at these cancers down at the molecular level, and while no single gene has been identified as a risk factor, a variety of genes do appear to increase risk levels. Manipulation of the immune system to fight these cancers is also being robustly pursued. Researchers are hopeful that breakthroughs will be achieved, but at the current time effective immunologic treatment for the pancreas is not available. “Research is also ongoing to read tumor receptors and engineer specific chemotherapies for each patient, and there’s a big push with this,” Cho said. “Geisinger is involved in this research, and applicable clinical trials are underway here.” Asim Ali, M.D., medical director of GI oncology with St. Luke’s University Health Network, agrees that identifiable risk factors for pancreatic cancers are vague. Some genetic risks are now known, but the DNA risk arena remains murky. “Age is one factor that definitely increases risk,” Ali said. “We never see these cancers in the 20-to30-year-old age group.” Because of the location of the pancreas, deep within the abdomen, physicians all too often find that no symptoms appear until the cancer has spread. This is why the disease often becomes a silent killer. “The best early treatment is surgery, and after that our response with both radiation and chemotherapy will depend upon what stage the cancer is in, ” Ali said. “New and effective chemos are available, and our overall support is much better.” He added that researchers are aggressively trying to develop vaccines to stimulate the immune system against these cancers, and develop biological targeted therapies that attack the mechanisms tumors use to grow. Molecular profiles on small pancreatic polyps is also a reality, with the total package of treatment options now resulting in some cures for stage one and two cancers, and even stage three.
How obesity contributes to, blocks treatment of pancreatic cancer
Investigators have discovered the mechanism by which obesity increases inflammation and desmoplasia -- an accumulation of connective tissue -- in the most common form of pancreatic cancer and also identified a treatment strategy that may inhibit the process. Massachusetts General Hospital (MGH) investigators have discovered the mechanism by which obesity increases inflammation and desmoplasia — an accumulation of connective tissue — in the most common form of pancreatic cancer. In their July 6 report, published online in Cancer Discovery, the researchers describe how interactions among fat cells, immune cells and connective tissue cells in obese individuals stimulate a microenvironment that promotes tumor progression while blocking the response to chemotherapy. They also identify a treatment strategy that may inhibit the process. “We evaluated the effects of obesity on numerous aspects of tumor growth, progression and treatment response in several animal models of pancreatic ductal adenocarcinoma and confirmed our findings in samples from cancer patients,” says the study’s co-senior author, Dai Fukumura, M.D., Ph.D., of the Steele Laboratory of Tumor Biology in the MGH Department of Radiation Oncology. “Along with finding that tumors from obese mice or patients exhibited elevated levels of adipocytes or fat cells and of desmoplasia, both of which fuel tumor progression and interfere with treatment response, we also identified the underlying cause.” Pancreatic ductal adenocarcinoma (PDAC) is the fourth leading cause of cancer death worldwide, and more than half of patients diagnosed with PDAC are overweight or obese. Among patients with PDAC, obesity more than doubles the already high risk of death. Previous research by the MGH team and others has shown that PDAC is characterized by elevated desmoplasia — with an overproduction of extracellular matrix tissue by pancreatic stellate cells — which both promotes the survival and migration of cancer cells and blocks the penetration of chemotherapy drugs into tumors. Obesity itself is known to contribute to desmoplasia, with the expansion of fat tissue leading to inflammation and fibrosis and an accumulation
of fat within the normal pancreas, which also causes inflammation. The team’s experiments revealed that the elevated desmoplasia in obese mouse models of PDAC was caused by activation of pancreatic stellate cells through the antiogensin II type-1 receptor (AT1) signaling pathway. This activation was promoted by production of interleukin-1 beta (IL1ß) both by fat cells and by the immune cells called neutrophils within and around tumors. Inhibiting AT1 signaling with losartan, which is used clinically to treat hypertension, reduced obesity-associated desmoplasia and tumor growth and increased the response to chemotherapy in the obese mouse model but not in normal-weight animals. Analysis of tumors from human PDAC patients revealed increased desmoplasia and fat deposits only in samples from obese patients, and data from more than 300 patients showed that excess weight was associated with a reduction in patients’ response to chemotherapy. João Incio, M.D., Ph.D., of the Steele lab, lead author of the study, said, “Understanding the way
that obesity affects pancreatic cancer may help us identify biomarkers — such as body weight and increased levels of tumor fibrosis — that could identify patients for whom AT1 blockers or IL-1ß antibodies would be most beneficial. Since FDAapproved versions of both agents are readily available, this strategy could be readily translated into the clinic. In addition, incorporating body weight into the design of preclinical studies could better account for the lack of response to conventional chemotherapeutical drugs.” Co-senior author Rakesh K. Jain, Ph.D., director of the Steele Laboratory, added, “With the majority of pancreatic cancer patients being overweight or obese at diagnosis, uncovering potential therapeutic targets within the mechanisms associating obesity with poor cancer prognoses is the first step towards developing remedies that could disrupt this association and significantly improve patient outcome. Targeting inflammation and fibrosis holds the promise to improve the clinical outcome of this major group of cancer patients.” Source: massgeneral.org/about/pressrelease.aspx?id=1958
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NRCI plans cancer survivors day The Northeast Regional Cancer Institute’s Cancer Survivors Day planning committee has finalized plans for the 24th annual Cancer Survivors Day Honoring, Remembering, Sharing. Cancer survivors, patients, caregivers, oncology medical professionals and healthcare professionals, family and friends or any individual affected by a cancer diagnosis in Northeast Pennsylvania are invited to attend the Survivors Day events hosted by the Northeast Regional Cancer Institute. This year, participants can choose between two locations and dates for the events. Cancer Survivors Day will be held on Saturday, Sept. 10, at Kirby Park in Wilkes-Barre and Saturday, Sept. 24 at McDade Park in Scranton. Both events will take place from 10 a.m. to noon. Each event will include the Circle of Survivors, an activity where those in attendance will be able to share a thought or inspirational message about their cancer experience. Additionally, there will be a survivor’s banner, survivor and caregiver ribbons and pins, program booklets, musical performances and light refreshments. To register for the event, or for more information, call the Northeast Regional Cancer Institute at 570941-7984 or cancernepa.org. There is no registration fee, although participants are asked to pre-register
Just ask..
About The Northeast Regional Cancer Institute 2016 marks the 25th anniversary of the Northeast Regional Cancer Institute. The Northeast Regional Cancer Institute is a nonprofit communitybased agency serving seven counties in northeast Pennsylvania with offices located in Scranton and Wilkes-Barre. Focusing on surveillance, community and patient services, and hospital and practice support services, the Cancer Institute invests 100 percent of its resources locally.
Committee members stand beside a quilt donated by Linda Gearhart in honor of her brother, Jackson Gearheart, which inspired the sunflower theme of what cancer cannot do for Survivors Day events.
Geisinger Community Medical Center Opens New Gastrointestinal Suite
Go ahead. Ask. Right now. Because if you have cancer, you need to go where world class doctors are as committed to clinical research as they are to healing. Where patients are given the opportunity to participate in clinical trials.Where our exceptional team is recognized consistently for award-winning cancer research. Bringing us all even more hope.
NROCDOCTORS.COM | ASKNROC.COM | 866 923 TOMO
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The new, $1.7 million gastrointestinal (GI) suite at Geisinger Community Medical Center (GCMC) opened in August, officially completing the last phase of the hospital’s $97.1 million renovation project.
From left are Laurie Oswell, R.N.; Charles Grad, M.D.; Edward Sherman, M.D.; and Ann “Nancy” Hiller, R.N. in a procedure room in the new GCMC GI/Endoscopy Suite.
PERSONNEL FILE Better Homes and Gardens real estate Wilkins & associates
dennis Farrelly, leader of The Dennis Farrelly team, was featured in an article published in RIS Media Real Estate Magazine, The Leader in Real Estate Information. The article appeared in the August issue. The article, under the special section Power Teams, was titled “Diligence and Motivation.” In the article, Farrelly, a realtor in the Bushkill office, was interviewed about Farrelly The Dennis Farrelly Team being named the No. 1 Team in the entire Better Homes and Gardens Real Estate brand, based on units sold. The Dennis Farrelly Team won the prestigious #1Emerald Elite Award the last three years in a row. Better Homes and Gardens Real Estate Wilkins & Associates has four offices in the Pocon Mountains.
is a 501(c)3 nonprofit affiliate of NEPA, providing assistance to nonprofit and community organizations throughout the region. The NEPA Alliance, a regional community and economic development agency, serves the NEPA counties of Carbon, Lackawanna, Luzerne, Monroe, Pike, Schuylkill and Wayne.
distasio & koWalski
Attorney Peter J. Biscontini, with the WilkesBarre personal injury firm of Distasio & Kowalski, has been appointed to serve on Luzerne-Wyoming County Drug and Alcohol Executive Commission. The commission oversees the Luzerne-Wyoming Counties Drug and Alcohol Program’s delivery of the services of prevention, intervention and treatment. The commission’s goal is to eradicate addiction within the counties and advise in the distribution of federal, state and county resources. He earned his juris doctorate from Duquesne University School of Law and bachelor’s degree at Kings College. Located in Wilkes-Barre, Distasio & Kowalski LLC represents the victims of auto/truck accidents, medical malpractice, product liability, and personal injury/wrongful death. For more information on Distasio & Kowalski LLC, call 570-970-5400.
edition of The Best Lawyers in America, the oldest and most respected peer-review publication in the legal profession. The lawyers are: • Joseph A. Quinn Jr.: medical malpractice law – plaintiffs; personal injury litigation – plaintiffs; product liability litigation - plaintiffs; • Michelle M. Quinn: personal injury litigation – plaintiffs; product liability litigation – plaintiffs; • Donald C. Ligorio: personal injury litigation - plaintiffs; • Terrence J. Herron: corporate law; and • Richard M. Goldberg: employment law – management. Hourigan, Kluger & Quinn PC is led by attorney Joseph Quinn, one of the top 100 trial lawyers in the nation. Additional information can be found at HKQLaw.com.
From left: Randi Olsen, Christine Foland, Carmen Francesco and Carole Linkiewicz.
larson desiGn GroUP
Larson Design Group made the list of Zweig Group’s Best Firms to Work For, a prestigious list honoring the creation of outstanding workplaces at carBon coUntY architecture, engineering, surveying and envicommUnitY FoUndation ronmental consulting firms. Firms on the list are recognized for their ability to inspire their teams to perform at the highest levels and create an environment where employees feel valued, can make a FoleY laW Firm michael J. Foley has been selected for inclusion difference, and can clearly see their contribution to the overall mission and success of the firm. in the 23rd edition of Best Lawyers in America for The winners will be celebrated at the Hot Firm and his work in both medical malpractice law and perA/E Industry Awards Conference at the Arizona sonal injury litigation. This is the seventh consecutive year Biltmore in Phoenix in September. Firms who applied for this prestigious ranking were evaluated he has received this honor. comprehensively on firm culture, workplace pracIn addition, Foley has been tices, employee benefits, employee retention rates, chosen as the 2017 medical From left are: Kurt Bauman, vice president of malpractice law Lawyer of the professional development and more — both from community services, NEPA Alliance and executive Year for Northeast and Central the management and staff’s perspectives. Awards director of the NCAC; Tina Dowd, founding chairwere given in the categories of architecture, civil Pennsylvania as well as the Foley person, Carbon County Community Foundation; and engineering, environmental, multidiscipline, surveyLehigh Valley. This honor is Jeffrey Box, president and CEO, NEPA Alliance. bestowed to only one lawyer in a single practice area ing and structural engineering. Larson Design within a geographic location. Inclusion in Best Law- Group (LDG) is an engineering, architecture and The Northeastern Pennsylvania Nonprofit & yers in America and selection as Lawyer of the Year survey firm, headquartered in Williamsport. LDG Community Assistance Center (NCAC) presented is a growing, employee-owned company teaming are both achieved by nomination and through peer a check to the newly formed Carbon County Comwith clients to provide responsive, innovative solureviews. Those who are chosen received outstandmunity Foundation. NCAC, through its affiliate the tions to facility, transportation, land development ing peer reviews and demonstrated good standing Northeastern Pennsylvania Alliance, was awarded with the ethics committee of their state bar. Foley is and environmental needs. an Appalachian Regional Commission (ARC) a shareholder in the Scranton-based Foley Law Firm, tHe lackaWaxen river conservancY Area Development Grant for NCAC’s Community which his father Thomas J. Foley Jr. founded. The The Lackawaxen River Conservancy (TLRC) Foundation Initiative. NCAC, in collaboration with the Foley Law Firm was included in the 2015 edition of has awarded two scholarships. John sloane of NEPA Grantmakers Forum, will provide funding and Best Law Firms in America for personal injury and Wallenpaupack Area High School is TLRC’s high technical assistance for the start-up of a community medical malpractice. Visit foleylawfirm.com. school scholarship winner, and carmen Francesco foundation in both Carbon and Pike counties. A total of Prescott College in Prescott, Arizona, is the winof $32,000 in funding will be awarded to the Carbon HoUriGan, klUGer & QUinn ner of TLRC’s college scholarship. Sloane received County Community Foundation to serve as the Five attorneys have been named to the 2017 his award at Wallenpaupack Area High School’s catalyst for the formal incorporation process. NCAC
John Sloane and TLRC president Carole Linkiewicz. Award Assembly on June 17. Francesco’s award was presented at a luncheon with members of the conservancy on July 10. Sloane is looking forward to a career in architecture and engineering. He is planning to attend Penn State University, where he looks forward to studying the principles of green architecture, engineering and construction. Francesco is entering her senior year at Prescott College. She has actively pursued her passion for the environment since entering college. Last summer, she was an intern in a rural area of India. She worked at a girls’ school where she helped the girls create a garden where they learned sustainable farming practices. She was also able to document some of the local stories regarding the extraction of local resources by outside industries that resulted in water contamination, soil erosion and toxin exposure. This past year, Francesco attended school remotely while living in New York City, where she worked in the plaza of the United Nations for the United Methodist Women in the Office of Environmental Justice. This summer, she worked in Cedar Rapids, Iowa, on an urban farm. This AmeriCorps program provides healthy foods in urban areas where access to fresh vegetables is very limited. See PERSONNEL on page 24
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PERSONNEL FILE rience and expertise in trial law. O’Donnell is part of a growing number of trial attorneys who have shown their commitment to bettering the legal profession by successfully completing a rigorous application process and providing the consumer of legal services with an objective measure by which to choose qualified legal counsel. O’Donnell has been recognized as a Top 100 Pennsylvania Super Lawyer from 2007 through 2016 and has been selected by his peers for inclusion in The Best Lawyers in America.
tion. Last year he completed his third year of the PA Bankers Advanced School of Banking and graduated with honors. In his new role, Holl will acquire new lending relationships and service the bank’s existing commercial customer relationships, providing guidance and tailoring each loan product to maximize commercial customers’ business potential.
De-Ana Susinskas was recently hired as a commercial loan officer. She brings 18 years of varied The vegetable farms are established on lots in the experience in commercial lending. Most recently, city, and organic farming practices are implemented. she spent eight years as a Francesco is pursuing a double major in environrelationship manager with mental and social justice and secondary history National Penn Bank. Starting education. The Lackawaxen River Conservancy her career as a commercial Scholarship is open to graduating seniors who loan analyst, Susinskas has attend high school in the Lackawaxen Watershed ESSA BANK & TRUST held several commercial lendand who intend to pursue a career in environmental ESSA Bank & Trust announced the following ing and loan management conservation. The eligible high schools are Honpromotions and hiring of key talent. positions in her career. Her esdale, Wallenpaupack Area., Western Wayne and Lisa Hutchins was promoted to vice president, UNiTED wAy oF MoNRoE CoUNTy Susinskas knowledge and experience Canaan Christian Academy. The scholarship is open commercial lending manager. She manages the will be instrumental in driving as well to college students who have graduated from bank’s staff of commercial loan officers throughout ESSA’s growth in the Pocono and Lehigh Valley a high school in the Lackawaxen Watershed and are the bank’s four markets markets. pursuing an environmental career. (Pocono, Wilkes-Barre/ Michael B. Grogan, CTP, was recently hired Scranton, Lehigh Valley, and as cash management sales manager. Grogan will MUNLEy LAw suburban Philadelphia). Lisa oversee the treasury management function at ESSA. The legal guide Best Lawyers has named Attorhas been with ESSA for 10 His career is extensive, with ney Marion Munley, from the Scranton-based Munyears and most recently was more than 30 years of operaley Law firm, Lawyer of the Year in product liability a commercial lending officer tions, product management/ litigation (plaintiffs) in the generating loans predomidevelopment and business Allentown metro area. Only Hutchins nantly in the Monroe County development, primarily within a single lawyer is recognized market. Hutchins has 20 The Ann and Joseph Farda Foundation presented the treasury management as the Lawyer of the Year for years of commercial lending experience. area. He will oversee ESSA’s each specialty and metropoli- a $5,000 donation to the United way of Monroe Christine Bowers was promoted to loan operaCounty with, from left, Michelle Bisbing, board growth initiatives in treasury tan area. Lawyer of the Year tions manager of ESSA’s Indirect Lending Division. chair; Michael Albert, president and CEo, United grogan management throughout recognitions are awarded to She had most recently been the northeast regional way of Monroe County; and Joe Farda, Joann the Pocono, Wilkes-Barre/ individual attorneys with the dealer sales representative Farda, and Tony Farda of The Ann and Joseph Farda Scranton, Lehigh Valley and suburban Philadelphia Munley highest overall peer feedback. for the bank. She has more Foundation. markets. Mike previously served as senior vice Receiving this designation than 19 years of lending president, group operations manager, global liquidity reflects the high level of respect a lawyer has earned wEiCHERT REALToRS — ACCLAiM experience, including several operations at Bank of America in Scranton. among other leading lawyers in the same communiAcclaim announced Lisa Blagman has joined years in managerial roles for Frank P. Kosakoski has been hired as a dealer ties and the same practice areas for their abilities, its Tannersville office. Blagman joins a dedicated multiple lenders. Bowers will sales representative to augment ESSA’s growth in their professionalism and their integrity. In addition team of knowledgeable agents at Weichert Realtors oversee the day-to-day opera- the indirect lending business. He brings 20 years of to the Lawyer of the Year designation, Munley is — Acclaim, who bring many years of combined tions for dealer funding and indirect auto dealer lending listed in 2017 Best Lawyers in America for both real estate expertise to their clients. Located at Bowers both dealer and consumer experience to his position. He medical malpractice law — plaintiffs and personal 2920 Route 611, Weichert Realtors — Acclaim is customer service. has developed a network of injury litigation — plaintiffs. First published in 1983, an independently owned and operated affiliate of Anthony P. Cartiglia has joined the bank as vice strong dealer relationships Best Lawyers is universally regarded as the definipresident, commercial loan officer. Cartiglia joins and a reputation for integrity tive guide to legal excellence. BaNkINg ESSA from First Keystone Community Bank, where he and results with dealer princimost recently served as vice pals and managers throughNATioNAL BoARD oF TRiAL ADvoCACy THE DiME BANK president, commercial loan out Eastern and Central PA. The National Board of Trial Advocacy (NBTA) Chase L. Holl has been promoted at The Dime kosakoski officer. In prior years, he held Kosakoski will develop new announced that Neil T. o’Donnell of the O’Donnell Bank to assistant vice president, commercial loan ofvarious lending management markets for ESSA in the subLaw Offices, headquartered in Kingston, has ficer. Holl is a graduate of Shippensburg University, roles at First Union, Wachovia urban Philadelphia markets as well as Berks County. achieved recertification as a civil trial advocate. where he earned a bachelor’s and Wells Fargo. Cartiglia will His previous positions include vice president and O’Donnell has been an NBTA degree in business adminleverage nearly 20 years of senior relationship manager for several regional and member for nearly 20 years. istration with a concentracommercial lending experinational banks. The NBTA was formed to tion in finance. Holl has Cartiglia ence and help drive ESSA’s benefit the law profession and taken numerous self-study FNCB commercial lending expansion its clients from an organizafinancial analysis and lending First National Community Bancorp Inc., the in the Pocono and Lehigh Valley markets. A former tion designed to create an classes through the American parent company of Dunmore-based FNCB Bank, entrepreneur, Anthony’s small business acumen has objective set of standards Institute of Banking and the proven to be a key contributor to his success. illustrating an attorney’s expeAmerican Bankers AssociaSee PERSONNEL on page 25 Holl O’Donnell
PERSONNEL continued from page 23
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PERSONNEL FILE CEO of First Keystone Community Bank in Berwick in 2010 after spending five years with First Keystone announced the appointment of Gerard A. Champi as director of lending and chief operating officer. as president and chief executive officer of both Lesa Angell, vice president of retail banking the company and the bank as well as a member at First Keystone Community Bank, has been apof the board of directors. pointed to the Pennsylvania Bankers Association’s Champi joined FNCB Bank in Member Relations Policy 1991 and has more than 30 Committee. The committee years banking experience. is responsible for overseeing Most recently, he served as member relations, to include the bank’s chief operating member contact programs officer. He is a graduate of the and the PA Banker’s nominaPennsylvania State University, tion process. Angell will serve Champi where he received a bacha three-year term that began elor’s degree in accounting, Angell July 1. She has been with and Wilkes University, where he received his MBA. First Keystone for seven years and is responsible for the successes and growth of FIDELITY BANK Eugene J. Walsh was appointed vice president the bank’s 18 community offices. She earned her MBA from Wilkes University. and chief operating officer of Fidelity Bancorp Inc. and executive vice president and chief operating officer of Fidelity Bank. Walsh WAYNE BANK joined the bank in March Vincent G. O’Bell has joined the Wayne Bank as 2014. He was previously senior vice president and commercial loan officer executive vice president and for the Lackawanna County market. O’Bell will be chief risk and credit officer of working with Lackawanna the bank. Walsh is responCounty’s team of business sible for risk management, lenders in the Central overseeing credit administraScranton Community Office Walsh tion, mortgage and conto serve the needs of local sumer lending, as well as loan businesses across the region. administration, special asset, and collections, loan O’Bell has more than 35 operations and compliance. Walsh earned a masyears banking experience. He ter’s degree in accounting and a bachelor’s degree in O’Bell has a degree from Stonier management from the University of Scranton. Graduate School of Banking PERSONNEL continued from page 24
FIRST KEYSTONE COMMUNITY BANK
The Federal Reserve Bank of Philadelphia recently announced its appointment of Matthew P. Prosseda, president and chief executive officer of First Keystone Community Bank, to a threeyear term on its Community Depository Institutions Advisory Council (CDIAC). The CDIAC is a 12-member council composed of representatives from commercial bank, thrift instituProsseda tions and credit unions. The council convenes twice a year with Philadelphia Federal Reserve officials to share insights on economic and business trends facing community depository institutions in their local markets. Prosseda was appointed president and
and resides in Jessup with his wife, Marylynn. Wayne Bank is a subsidiary of Norwood Financial Corp., Member FDIC, and is located in Honesdale.
EduCAtION KEYSTONE COLLEGE
Two recent Keystone College graduates and a current Keystone senior recently performed in a respected national business competition in Atlanta. Keystone 2016 graduates William Chylak, Throop; Tyler Gilroy, Scott Twp.; and senior Michael Karwaski, also of Scott Twp., competed as a team to finish sixth in the nation in the business decision-making competition sponsored by Phi Beta Lambda, the college division of the Future Business Leaders of America. Earlier this summer, Chylak, Gilroy and Karwaski finished second in Pennsylvania, squaring off against hundreds of other entrants. The two top finishers in each
Anson Front row, from left: Frances Langan, Ed.d., dean, School of Professional Studies; Karen Yarrish, Ph.d., vice president for academic affairs; dana Harris, Ph.d., business professor. Second row, from left: Keystone student Michael Karwaski and recent graduates William Chylak and tyler Gilroy. business category advanced to the national finals in Atlanta. Chylak and Gilroy will pursue graduate degrees this fall and Karwaski will enter his senior year as an accounting major at Keystone. Future Business Leaders of America is a national organization which promotes business education and leadership skills for young people. After joining the organization in high school, many students continue with Phi Beta Lambda in college.
MISERICORDIA UNIVERSITY
Blazaskie
Klimas
earned her bachelor’s in philosophy from Whitman College, Wala Wala, Washington, and master’s and doctorate degrees in philosophy from the University of Kentucky, Lexington, Kentucky. The College of Health Sciences and Education has named Denis Anson, M.S., as instructor of occupational therapy. He holds bachelor’s and master’s degrees in occupational therapy from the University of Washington, Seattle. Lynn Blazaskie, B.S., has been appointed instructor of medical imaging. She holds a bachelor’s in radiography from Misericordia University. Karen Klimas, M.S., has been appointed assistant professor of diagnostic medical sonography. She holds a master’s degree in education and a bachelor’s in radiography from Misericordia University. Jack Goble Jr., M.H.A., has been named assistant professor of physician assistant studies. He has a master’s in health care administration from The Pennsylvania State University, Harrisburg, and a bachelor’s in chemistry from the University of Maryland, College Park, Maryland. David Hage, M.S.W., has been appointed assistant professor of social work. He holds a bachelor’s in social work from Misericordia University and a master’s in social work from Marywood University. Kathleen HughesButcher, M.S., has been named assistant professor of occupational therapy. She has a bachelor’s degree in psychology and a master’s in occupational therapy from Misericordia University.
Misericordia University recently welcomed eight new full-time faculty members for the 2016-17 academic year during a special orientation program. In the College of Arts and Sciences, Dana Chalupa, Ph.D., has been named a visiting assistant professor Goble of sociology. Chalupa holds a bachelor’s degree in sociolChalupa ogy from Bowling Green State University, Bowling Green, Ohio, and master’s and doctorate degrees in sociology from Michigan State University, East Lansing, Hage Michigan. Anthony White, M.A., has been appointed instructor of mathematics. White He holds a bachelor’s degree in mathematics, secondary education, from Thiel College, Greenville, and a master’s in philosophy from West Chester University, West Chester. Hughes-Butcher Margot Wielgus, Ph.D., has been named assistant Wielgus professor of philosophy. She See PERSONNEL on page 26
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PERSONNEL continued from page 25
For more information about Misericordia University, call 570 674-6400 or log on to misericordia.edu.
tHe coMMonWeAltH MeDicAl colleGe
Kingston pediatrician and TCMC clinical faculty member Jeffery Kile, M.D., M.H.A, F.A.A.P., was invited to speak at the International Pediatric Association Conference in Vancouver, Canada in August. Kile spoke to conference attendees on The 21st Century Pediatric Office: Interacting via Email, Smart Phone Apps and Teleheath. The International Pediatric Kile Association (IPA), formed in Paris in 1910, was founded to foster relationships among the pediatricians of the world, thus promoting education and sharing of information about child health. Pediatric societies from around the globe participate every three years in IPA’s international conference.
tHe uniVersity oF scrAnton
The University of Scranton exercise science professor Jessica bachman, Ph.D., received The Emerging Dietetic Leader Award from the Pennsylvania Academy of Nutrition and The Academy of Nutrition and Dietetics at their annual meeting held in the spring semester. The Academy of Nutrition and Dietetics is the world’s largest organization of food and Bachman nutrition professionals. The award recognizes the activities and competence of dietitians, regardless of their age, who have made distinctive contributions early in their career to the academy. A registered dietitian, Bachman joined the faculty at Scranton in 2013. Her research interests include the effects of dietary patterns and habits on exercise and academic performance, behavioral weight loss intervention in adults and the assessment of dietary intake techniques. Previously, as a Cancer Research Training Award recipient, she conducted research at the National Cancer Institute. Bachman received her bachelor’s degree from the Pennsylvania State University. She earned a master’s degree in nutrition and a master’s degree in public health from The University of Tennessee, where she also completed her dietetic internship. She also holds a doctoral
degree in nutrition with a concentration in exercise science from The University of Tennessee.
Vascular surgeon Alessandro G. smeraldi, M.D., recently began offering services at Endless HEaLtHCaRE Mountains Health System (EMHS), 100 Hospital Drive, Montrose. The expansion of Smeraldi’s coMMonWeAltH HeAltH practice brings specialized vascular care to Alexis Jesikiewicz, D.o., has joined InterSusquehanna County for the first time. A boardMountain Group and the medical staff of Comcertified vascular surgeon, Smeraldi cares for monwealth Health Wilkes-Barre General Hospital patients with diseases that affect the arteries, veins to practice obstetrics/ and vascular and lymphatic systems. He diagnoses gynecology. Jesikiewicz is and treats conditions such as peripheral arterial a graduate of Penn State disease (PAD), carotid disease, aneurysms (aortic University with a bachelor’s and thoracic), atherosclerosis, Raynaud’s disease, degree in biology and earned peripheral venous disease, varicose veins, blood a doctorate in osteopathic clots/deep vein thrombosis (DVT), lymphedema medicine from Midwestern and blood-clotting disorders. Smeraldi will see University Chicago College patients at EMHS clinic on the third Wednesday of Jesikiewicz of Osteopathic Medicine. She every month. He also sees patients at Geisinger’s completed a residency in OB/ Heart and Vascular Institute at Geisinger ComGYN at Inspira Health Network, Vineland, New Jermunity Medical Center (GCMC). To schedule an sey, where she was chief resident. She is a member appointment with Dr. Smeraldi at any location, call of the American College of Osteopathic Obstetri570-963-1740. cians and Gynecologists, the American Congress of Obstetricians and Gynecologists and the American HiGHlAnD PHysiciAns Osteopathic Association. Jesikiewicz has joined the FAMily HeAltH center practice of OB/GYN Associates, 545 N. River St., emily nebzydoski, M.D., board-eligible pediaSuite 100, Wilkes-Barre. trician, has joined the staff of providers at the Highclark Gerhart, M.D., a general surgeon on staff land Physicians Family Health Center, 1839 Fair at Wilkes-Barre General Hospital, will present a free Ave., Honesdale. Nebzydoski seminar on bariatric surgery at 5:30 p.m. Tuesday, treats children from newborn Sept. 6 at Genetti Inn, 1345 N. Church St., Hazle to age 18. Nebzydoski reTownship. Gerhart, a board-certified general surceived her medical doctorate geon who specializes in minimally invasive surgery, from Pennsylvania State Uniwill discuss the overall health benefits of bariatric versity College of Medicine in surgery in addition to weight loss. The seminar is Hershey. Her post-doctoral open to the public free of charge though reservatraining — pediatric internNebzydoski tions are recommended. Light refreshments will be ship and residency — were served. To make a reservation, call 570-552-7423. completed at the University Two surgeons affiliated with Commonwealth of Rochester Medical Center, Rochester, New Health Berwick Medical Professionals will begin York. A native of Jeffersonville, New York, with holding office hours in Sugarloaf Township. Anton family ties in Pleasant Mount, Nebzydoski received Georgiev, D.o., a general surgeon, and John a bachelor’s degree in biology from the University Guerriero, D.o., a vascular surgeon, will see of Scranton, becoming the 15th member of her patients at 1 Brookhill Square South. Georgiev is family to become an alumnus of the local school. board-certified in surgery and a member of the Appointments with Nebzydoski may be made by medical staff at Berwick Hospital Center. He and his calling Highland Physicians Family Health Center at team opened the Hernia Clinic at Berwick last year. 570-251-6500. He is a graduate of Kirksville College of Osteopathic nortHeAstern Medicine and completed a residency in general reHAbilitAtion AssociAtes surgery at St. Agnes Hospital. Guerriero is boardVikram Arora, D.o., joined Northeastern certified by the American Osteopathic Board of Surgery and graduated from Ohio State University. Rehabilitation Associates in August and is treating He completed a residency in vascular surgery at the patients in the Bethlehem and Wilkes-Barre offices. Arora graduated from the University of Scranton Cleveland Clinic and a fellowship in vascular surwith a degree in biology before completing medical gery at Spectrum Health — Butterworth Campus.
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school at the Philadelphia College of Osteopathic Medicine. He completed his residency at Temple University Hospital/Moss Rehabilitation, where he was selected as chief resident. Arora also completed his inarora terventional spine fellowship at Northeastern Rehabilitation Associates. He is board certified by the American Board of Physical Medicine and Rehabilitation. Arora received specialty training in interventional spine care. He performs a variety of diagnostic and therapeutic, minimally invasive, image-guided procedures. He has special interests in spinal cord stimulation and intradiscal therapies. christopher connor, D.o., joined Northeastern Rehabilitation Associates in August and is treating patients in the Wilkes-Barre office. Connor is board certified in physical medicine and rehabilitation and is currently board eligible in the sub-specialty of pain medicine. Connor provides comprehensive, non-operative spine and musculoskeletal care. He performs Connor fluoroscopically guided spine injections and advanced minimally invasive procedures such as radiofrequency ablation and spinal cord stimulation. He also has a special interest in the use of both ultrasound and regenerative medicine in diagnosis and treatment of neuromuscular conditions.
tHe WriGHt ceMter For GrADuAte MeDicAl eDucAtion
Julio A. ramos, M.D., FAcr, FAcP, has been named designated institutional official (DIO). Ramos completed his residency with The Wright Center (then the Scranton-Temple Residency Program) in 2000 and stayed on as faculty for residency programs before pursuing a rheumatology fellowship with Geisinger Medical Center, Danville. He rejoined The Wright Center in 2007 Ramos as the subspecialty chief of rheumatology and has since served as an associate program director for subspecialty services and director of sports medicine education. He is also a member of The Commonwealth Medical College’s clinical faculty team.
FOR THE RECORD DEEDs Columbia County
Red Rock Realty llC. Property Location: Bloomsburg. Seller: Ridgeway LLC. Price: $234,000. 801 lightstreet llC. Property Location: Bloomsburg. Seller: Donald A. Camplese, Student Investors Assocates, and Kay F. Camplese. Price: $1,540,000. 3 Country Club Road llC. Property Location: Bloomsburg. Seller: Donald A. and Kay F. Camplese. Price: $1,170,000. Federal national mortgage association. Property Location: Beaver Township. Seller: Ramona M. and Ronald L. Grebey. Price: $2,873 f-m-v $79,135.74. Hemlock township. Property Location: Hemlock Township. Seller: Joseph and Alma E. Skopic. Price: $800. Christopher l. and Martina A. Firth. Property Location: Berwick. Seller: Citifinancial Servicing LLC. Price: $20,000. Pedro H. Valdez. Property Location: Franklin Township. Seller: Bank of NY Mellon. Price: $41,800. Richard S. and Wren Fritsky. Property Location: Bloomsburg. Seller: Lucia L. and Joshua J. Gordon. Price: $354,000. tri and ngoc Properties llC. Proper ty Location: Berwick. Seller: Marcella and David Belles. Price: $46,000. brianne Heineman. Property Location: Catawissa. Seller: CRT Enterprises LLC. Price: $129,000. nam Futures llC. Property Location: Scott Township. Seller: Martin P. and Beverly A. Mariano. Price: $44,121.33. Richard S. and Susan M. Rock Jr. Property Location: Mt. Pleasant Township. Seller: Jonathan R. and Diane D. Else. Price: $352,000. Zachary beaver. Proper ty Location: North Centre Township. Seller: US Bank. Price: $52,221. Scotch Valley Estates. Property Location: Beaver Township. Seller: Estate of John Bortinchak Jr. Price: $1 f-m-v $3,690. marr Development mulberry ii llC. Property Location: Berwick. Seller: Catherine, Antonio D. and Lucy Mae Rado. Price: $100,000. Wells Fargo bank. Property Location: Mt. Pleasant Township. Seller: Mark D. and Rachelle L. Mensinger. Price: $4,756.62 f-m-v $67,574.97. Romaine bognar. Property Location: Mifflin Township. Seller: Marr Development Inc. Price: $135,000. bank of america. Property Location: Montour Township. Seller: Jason E. Nicole Hartman. Price: $2,190.28 f-m-v $$131,899.05. martin P. Valderrama. Property Location: Beaver Township. Seller: Fannie Mae. Price: $10,200. KCaS llC. Property Location: Bloomsburg. Seller: James E. and Donna M. Long. Price: $33,800. John J. Yurko and Bonnie Spandra. Property Location: Catawissa Township. Seller: Michael John Yatsko. Price: $311,900. JJG Rentals llC. Property Location: Bloomsburg. Seller: Douglas W. and Donna M. Harris. Price: $205,000. mDS land Company trust. Property Location: Berwick. Seller: Roman Moskva. Price: $1 f-m-v $15,512.76. mDS land Company trust. Property Location: Berwick. Seller: Roman Moskva. Price: $1 f-m-v $110,943.54. tonya l. Whitmire. Property Location: Berwick. Seller: Veterans Affairs. Price: $83,500. Kurt F. and Jenny L. Gause. Property Location: Mt. Pleasant Township. Seller: Wells Fargo Bank. Price: $55,000. Deutsche bank national trust Co. Property Location: Locust Township. Seller: Joey D. and Lori Ann Vereen. Price: $8,100.22 f-m-v $130,175.82. Deutsche bank national trust Co. Property Loca-
tion: Berwick. Seller: Jill E. and Larry R. Kemp. Price: $5,745.49 f-m-v $153,873. Scott Schultz. Property Location: Berwick. Seller: Nationstar Mortgage LLC. Price: $41,000. Sterling a. and Regina M. North. Property Location: Scott Township. Seller: James R. Wolfer and Donna M. Houghtaling. Price: $340,500. bank of ny mellon. Property Location: Bloomsburg. Seller: Robin and Alan Phillips. Price: $5,964.51 f-m-v $93,032.28. Stone Cold Real Estate llC. Property Location: Berwick. Seller: Angela Maree Phillips. Price: $1 f-m-v $331,804.80. bradley W. and Tiffany L Breisch Kelly. Property Location: Scott Township. Seller: Leo Joseph and Kathleen A. Yodock III. Price: $425,000. Federal national mortgage association. Property Location: Main Township. Seller: Robin L. and Darrin L. Wynings. Price: $3,776.62 f-m-v $143,013.33. Emerson Equities llC. Property Location: Briarcreek Township. Seller: Diane L. and David A. Slusser and Louis A. Sinibaldi and Tammy K. Davis. Price: $25,000. Janice E. Miner. Property Location: Cleveland Township. Seller: Thomas H. and Johanna T. Lucid. Price: $340,000. Gardner Realty investment llC. Property Location: Berwick. Seller: Estate of Laura A. Crouse. Price: $54,500.
laCKaWanna County
Pioneer City Shop llC. Property Location: Carbondale. Seller: Millennium Packaging Service Inc. Price: $400,000. Edward D Pergament. Seller: Douglas G Bauer. Property Location: Clifton Twp. Price: $342,500. James P Chiaro. Property Location: Covington Twp. Seller: Tyler Greenburg. Price: $420,103. uno Keenan Property llC.Seller: Keystone Property Associates LLC. Property Location: Dickson City.Price: $975,000. SS 449 Ventures llC. Property Location: Dickson City. Seller: Karf Ltd. Price: $865,000. bell mountain llC. Property Location: Dickson City. Seller: Kathleen E Noll. Price: $440,000. Richard i Schwartz. Property Location: Glenburn. Seller: Richard C Schwartz. Price: $339,000. brian D Campfield. Property Location: Glenburn. Seller: Meade T. Palmer. Price: $634,000. osnat Ekerling. Property Location: Madison Twp. Seller: Anthony Laterza. Price: $ 465,000. Jeremy Pierson. Property Location: Madison Twp. Seller: Michael T. Rosentreter. Price: $278,100. David m Grossi Jr. Property Location: Scott Twp. Seller: Raymond S. Killiany. Price: $370,000. andrew Kingery. Property Location: Scott Twp. Seller: Kenneth Powell. Price: $250,000. theresa Demyan. Property Location: Scott Twp. Seller: Joseph D. Cappelloni Amount: $290,000. mark Joseph Ross. Property Location: Scott Twp. Seller: Theresa Demyan. Price: $269,000. Keystone Community Resources inc. Property Location: Scranton. Seller: Bishop Joseph C Bambera. Price: $275,000. new morgan manor i lP. Property Location: Scranton. Seller: LCL Income Properties LP IV. Price: $7,800,000. new morgan manor ii lP. Property Location: Not listed. Seller: LCL Morgan 2 Associates LLC. Price: $250,000. CoP Scranton llC. Property Location: Scranton. Seller: Lackawanna Junior College. Price: $465,000. JbaS Realty. Property Location: Not listed. Seller: Bayview Loan Servicing LLC. Price: $395,000. 201 Vine Realty. Property Location: Scranton. Seller: Elmhurst Holdings LLC. Price: $500,000. marcia ann bohleman. Property Location: S. Abington Twp. Seller: Boston Land Co. Inc. Price: $260,000.
Jwann layton. Property location: Smithfield Township. Seller: Wendy Ziegenfus-Brown. Price: $299,000. axis Self Storage. Property location: Delaware Water Gap. Seller: Bayview Loan Servicing LLC. Price: $245,000. Radames tirado. Property location: Price Township. Seller: LTS Homes LLC. Price: $303,846. GFt Property Holdings iii llC. Property location: Coolbaugh Township. Seller: Ibrahim Kamara (by U.S. Marshal). Price: $1. Tax basis: $209,535. Regino and Jhoanne Diaz. Property location: Middle Smithfield Township. Seller: Deutsche Bank National Trust Co. Price: $408,894. mishmish llC. Property location: Jackson Township. Seller: Irene Burns. Price: $149,000. Keith and maryjane baer. Property location: Barrett Township. Seller: Cynthia and John Reinhardt III. Price: $346,000. operation Homefront inc. Property location: Middle Smithfield Township. Seller: JPMorgan Chase Bank NA. Price: $0. Tax basis: $249,715. Dark Waters Project llC. Property location: Coolbaugh Township. Seller: Secretary of Veterans Affairs. Price: $28,000. mountainside Plaza inc. Corp. Property location: Coolbaugh Township. Seller: Richard Kennedy M.D., William Tatu M.D., Mary Swank M.D., Charles Kempf M.D., Michael Tieff, M.D., Ned Enea M.D., Paul Pizzella M.D., Susan Hawk M.D., Mountain Healthcare Partners. Price: $790,000. mihandros inc. Property location: Stroudsburg. Seller: Albert and Dinah Trapasso. Price: $260,000. terrapin bus Station llC. Property location: Mt. Pocono. Seller: 3 LAS Co. Inc. Price: $575,000. luz Santamaria-morales and Eddy morales. Property location: Tunkhannock Township. Seller: David Wengerd. Price: $318,500. monRoE County Jeffrey and lisa Wiedecke. Property location: Middle Kenneth and mary Knies. Property location: CoolSmithfield Township. Seller: Sean Burke, Karen Kurpicki baugh Township. Seller: Patrick, Leah, James and Neena N/B/M Karen Burke. Price: $495,000, Tierney. Price: $331,000. anne and nicholas Rossetti Jr. Property location: anthony Vargas and belkis Santana. Property location: Stroud Township. Seller: Desmond and Rosalind Barrett Township. Seller: Leonard and Linda Goldberg. Price: $389,000. Hitchman. Price: $309,430. Paul and Susan Pope. Property location: Tobyhanna Robert Rose. Property location: Middle Smithfield TownTownship. Seller: John and Terry Cronin. Price: $365,000. ship. Seller: Same Cloth Ventures LLC. Price: $144,000. mountain Plaza inc. Corp. Property location: SmithClaudine Service-Rose. Property location: Middle field Township. Seller: Khemraj and Mayuri Sedani. Price: Smithfield Township. Seller: DE&S Properties. Price: $715,000. $328,500. RKKb Plaza llC. Property location: Middle Smithfield Charrisse Sutton and lamont Dabney. Property locaTownship. Seller: 209 Commercial Condo LP, Michael tion: Hamilton Township. Seller: David Wengerd. Price: Berardi (gen. partner). Price: $1,550,000. $328,500. Homepath Services llC. Property location: Smithmanuel Quiros-mora, Flor barboza-avila and field Township. Seller: Robert Ludwig Living Trust, Robert manuel barboza. Property location: Pocono Township. and Marcella Ludwig (trus.). Price: $205,000. Seller: James and Helayne Brindisi. Price: $325,000. mbC Development lP. Property location: Hamilandrea Hower. Property location: Polk Township. ton Township. Seller: Nyles and Kitty Possinger. Price: Seller: Northeast Investors Group Inc. Price: $129,000. $490,000. JJ Fixl Properties llC. Property location: ChestPoconoff llC. Property location: 3 parcels in Tobyhanna nuthill Township. Seller: William and Carole Grant. Price: Township. Seller: Sincavage Lumber Co. Price: $80,000 each. $625,000. Darien and Jodi bohdal. Property location: Mt. Pocono. Seller: Borough of Mount Pocono. Price: $10,000. luZERnE County mount Eaton Church inc. Property location: Ross Cocoa Hut Property llC. Property Location: Township. Seller: Lehigh Cement Co. LLC. Price: $50,000 Nanticoke. Seller: National Retail Properties Trust. Price: and $10,000. $700,000. thomas and Debra Pizzuto. Property location: Smithtri Cole Pa Properties llC. Property Location: Three field Township. Seller: Twin Lake Estates Development parcels, Wilkes-Barre City, Hazleton City and Edwardsville LLC. Price: $300,300. Borough. Seller: Catherine Cole Fernandez. Price: $689,626. brian and Victoria Winot. Property location: Pocono import Road llC. Property Location: Two parcels, Township. Seller: Christopher and Tanya Peechatka. Price: Pittston Twp. Seller: Patrick Conflitti. Price: $250,000. $355,000. VED llC. Property Location: Wilkes-Barre City. Seller: Cresson Point Properties llC. Property location: Thomas S Meyers. Price: $271,000. Hamilton Township. Seller: Double D Management LLC. Gina Giordano. Property Location: Dallas Twp. Seller: Price: $815,000. Frank Carey Construction Inc. Price: $295,000.
bell mountain llC. Property Location: S. Abington Twp. Seller: Kathleen E. Noll. Price: $440,000. William W Davis. Property Location: S. Abington Twp. Seller: Gravel Pond Townhouses Inc. Price: $468,000. matthew Pivirotto. Property Location: S. Abington Twp. Seller: Donald A. Korinda. Price: $250,000. thomas S Egan. Property Location: S. Abington Twp. Seller: Joseph J Doyle.. Price: $505,000. Gorham terrace llC. Seller: Thomas E. Matterer 3004. Property Location: S. Abington Twp. Price: $310,000. Edella manor llC. Property Location: S. Abington Twp. Seller: Gregory J. Winowich. Price: $1,100,000. Wagner Family trust. Property Location: Thornhurst Twp. Seller: Gertrude A. Schmitt. Price: $415,000. Dominick J miller. Property Location: Vandling. Seller: Gerrid Lee Uzarski. Price: $265,500. Frank l naughton. Property Location: Vandling. Seller: Kenneth Powell. Price: $350,000. Shekhar Patel. Property Location: Vandling. Seller: Charles J. Hubbard. Price: $405,000. Dangio Holding llC. Property Location: Vandling. Seller: John G Gallo. Price: $410,000. mark Skojec. Property Location: Vandling. Seller: William W Davis Jr. Price: $435,000. thomas Farina. Property Location: Vandling. Seller: Cloverleaf Developers LLC. Price: $253,750. Redel thomas acker. Property Location: Vandling. Seller: Anthony DePietro. Price: $309,000. Christopher P Sespico. Property Location: Vandling. Seller: Richard P. Kane. Price: $410,000. Ryan D Horsley. Property Location: Vandling. Seller: Harvey J Sproul Jr. Price: $699,000.
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FOR THE RECORD
Daniel Benyo. Property Location: Fairview Twp. Seller: Mark Luchi. Price: $448,185. John R Tricarico. Property Location: Harvey’s Lake Borough. Seller: CH Harvey’s Lake Realty LP and Bittner’s HL Management LLC. Price: $410,000. Juliana Greene. Property Location: Rice Twp. Seller: Donald J. Shappelle. Price: $430,000. Christopher Lont. Property Location: Wright Twp. Seller: Mary A. Ruane.Price: $330,000. Dean W Jaeger. Property Location: Salem Twp. Seller: James E. Bleistein. Price: $280,000. Keith STerowski. Property Locatioin: Rice Twp. Seller: Michael Filinuk III. Price: $340,000. Yassir Nawaz. Property Location: Exeter Borough. Seller: James G. Kreidler Jr. Price:$364,000. Michael J Webb. Property Location: Fairview Twp. Seller: Gina Klug. Price: $385,000 Jeffrey A Sweet. Property Location: Rice Twp. Seller: Presidential Land Co. Ltd. Price: $385,000. John P Henry. Property Location: Jackson Twp. Seller: Jolyn L. Specter. Price: $490,000. James J Wolk. Property Location: Sugarloaf Twp. Seller: Jeffrey A. Olawski. Price: $327,225. MHI Kingston Health Center LP. Property Location: Kingston Borough. Seller: SH Kingston Manor LLC. Price: $1,930,511.48. David A Spath. Property Location: Rice Twp. Seller: Presidential Land Co. Ltd. Price: $428,900. Alicia Erwine. Property Location: Wright Twp. Seller: Andrew R. Pieszala. Price: $249,500. Thomas A Erchinger. Property Location: Rice Twp. Seller: Dale R. Bortz. Price: $740,000. Todd Barto. Property Location: Wright Twp. Seller: Richard A. Zabell. Price: $260,000. Matthew P Stretanski. Property Location: Jackson Twp. Seller: Ian Richarson. Price: $305,000. Ian Butterwick. Property Location: Dallas Twp. Seller: Matthew P. Stretanski. Price: $253,000. Dennis Bonvie. Property Location: Kingston Twp. Seller: Nicholas J. Volpetti. Price: $350,000. Market Square Properties Development LLC. Property Location: Three parcels, Wilkes-Barre City. Price: $1,200,000. David F Walsh. Property Location: Jackson Twp. Seller: Carol J Douds. Price: $365,000. Surood R Najib. Property Location: Dallas Borough. Seller: Mariclare T. Thresten. Price: $370,000. Rober N Opel II. Property Location: Dallas Twp. Seller: Lakewood Development Co. Inc. Price: $420,000. Nicole Farber. Property Location: Dallas Twp. Seller: Robert J Finlay, Price: $345,000. Dylan E Briggs. Property Location: Nescopeck. Seller: Robert C. Houck. Price: $360,000. KCA Realty. Property Location: Two parcels, WilkesBarre Twp. Seller: Stonehaven Assoc. LP. Price: $1,250,000. Yuchi Zu. Property Location: Dallas Twp. Seller: Randall J Xenakis. Price: $295,000. Yousef Baras. Property Location: Kingston Borough. Seller: Rosaline Eisenstadt. Price: $260,000. David Coats. Property Location: Nuangola Borough. Seller: Donald H. Elly. Price: $322,500. Brendan C FitzPatrick. Property Location: Butler Twp. Seller: RObert A. WIlliams. Price: $250,000. Jeremy C Allen. Property Location: Pringle Borough. Seller: Joseph W. Cheek. Price: $265,000. Presidential Land Holdings LLC. Property Location: Rice Twp. Seller: John A. Kuprevich, trustee, et al. Price: $390,500. Raghava Reddy Levaka. Property Location: Rice Twp. Seller: Presidential Land Co. Ltd. Price: $442,339.
SCHUYLKILL COUNTY
Gricoski Funeral Home. Property Location: Butler Twp. Seller: Sondra Schultz. Price: $ 157,500. A and A Catering LLC. Property Location: Mahanoy City Twp. Seller: LA Commercial Services LLC. Price: $40,800. Gov Flo LLC. Property Location: Pottsville Twp. Seller: Scott and Melissa Valukevich. Price: $19,000. Ridgeview Property CP LLC. Property Location: West Mahanoy Twp. Seller: PA Avenue Realty LLC. Price: $ 2,500,000. John Sirkot. Property Location: McAdoo Twp. Seller: Hazleton Area Habitat for Humanity Inc. Price: $32,500. Jessica LaWell. Property Location: Minersville Twp.. Seller: Above Par LLC. Price: $ 79,600. Secretary of Housing and Urban Development.. Property Location: Shenandoah Twp.. Seller: GMAC Mortgage LLC. Price: $ 15,352.
WAYNE COUNTY
Wayne Memorial Hospital. Property Location: Honesdale. Seller: Michael W. Cavage. Price: $1,140,000. John Tardy. Property Location: Paupack. Seller: Stephen Lesko. Price: $395,000. County Waste of PA LLC. Property Location: Sterling. Seller: Warehouse 001 Inc. Price: $850,000. Jonathan M Burkholder. Property Location: Damascus. Seller: Nicholas A Barna. Price: $400,000. Mark E Fynn. Property Location: Lehigh. Seller: Stephen K. Bolland. Price: $582,500. Didder Ridge LLC and Robert J McGinnis. Property Location: Palmyra. Seller: Clay S. VonHake. Price: $270,000. Michael J Jagacki. Property Location: Palmyra. Seller: Joseph P. Nocero. Price: $354,500. Marc Pilotta. Property Location: Berlin. Seller: Diane Muller. Amount: $500,000. Edward J Connor Jr. Property Location: Cherry Ridge. Seller: Errol C. Flynn. Price: $262,450. Colleen E Rhyne. Property Location: Lebanon and Oregon. Seller: Arlene M. Pozzi. Price: $395,000. Anthony Bourdow. Property Location: Paupack. Seller: Davis Lakefront Properties. Price: $470,000. James Brennan. Property Location: Paupack. Seller: Sally French. Price: $315,500. Robert L Granberry. Property Location: Paupack. Seller: Mark R. Tompkinson. Price: $279,000. Douglas Gombert. Property Location: Mt. Pleasant. Seller: Elaine Fusco. Price: $255,000.
WYOMING COUNTY
Keystone Community Resources Inc. Property Location: Tunkhannock Borough. Seller: Wilkes-Barre Behavioral Hospital Co. LLC. Price: $355,000. Robert W Higdon. Property Location: Monroe Twp. Seller: Sandy Insalaco. Price: $465,000. Bobbie Jo Lenahan. Property Location: Overfield Twp. Seller: WLR Family Partnership. Price: $276,806.
MORTgagEs
COLUMBIA COUNTY
Red Rock Realty LLC. Property Location: Bloomsburg. Lender: Joseph A. Gushen. Amount: $238,000. 801 Lightstreet LLC. Property Location: Bloomsburg. Lender: First Columbia Bank & Trust Co. Amount: $1,370,000. 3 Country Club Drive. Property Location: Bloomsburg. Lender: First Columbia Bank & Trust Co. Amount: $1,085,000. Berwick Boulevard Associaiton. (2) Property Location: Berwick. Lender: First Keystone Community Bank.
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SEPTEMBER 2016
Amount: $91,500 and $10,200 respectively. RFF Partners LP, Nathan C. and Melissa S. and George C. and Christine H. Richard. (2) Property Location: Cleveland Township. Lender: AgChoice Farm Credit. Amount: $7,350,000 and $1,300,000 respectively. Berwick Theater and Center for Community Arts Inc. Property Location: Berwick. Lender: M&T Bank. Amount: $75,000. Musselman Realty LLC. Property Location: Fishingcreek Township. Lender: FNB Bank. Amount: $100,000. Berwick Golf Club. (2) Property Location: Briarcreek Township. Lender: First Keystone Community Bank. Amount: $1,100,000 and $20, 000 respectively. Christopher M. and Shannon B. Draus. Property Location: Catawissa Township. Lender: Mortgage Electronic Registration Systems Inc. Amount: $350,000. Dione D. and Michael L. Somerville. Property Location: Montour Township. Lender: Mortgage Electronic Registration Systems Inc. Amount: $312,000. NHS Pennsylvania. Property Location: Catawissa. Lender: Fox Chase Bank. Amount: $1,526,500. Wayne C. and Debra A. Brouse. Property Location: Montour Township. Lender: West Milton State Bank. Amount: $2,031,400. Franklin R. Gergits. 2 parcels Property Location: Hemlock Township. Lender: Nilesh B. Amin. Amount: $400,000. Carl T. Shaffer. Property Location: Mifflin Township. Lender: AgChoice Farm Credit. Amount: $700,000. JJG Rentals LLC. Property Location: Bloomsburg. Lender: First Columbia Bank & Trust Co. Amount: $164,000. Dennis A. and Deborah M. Hoshagen. Property Location: Jackson Township. Lender: Mortgage Electronic Registration Systems Inc. Amount: $372,847. Sterling A. and Regina M. North. Property Location: Scott Township. Lender: Mortgage Electronic Registration Systems Inc. Amount: $323,475. Seward Towing LLC. Property Location: Stillwater. Lender: First Keystone Community Bank. Amount: $148,000. Stone Cold Real Estate LLC. Property Location: Berwick. Lender: James and Kathryn Labar. Amount: $200,000. Tiffany L.Breisch Kelly and Bradley W. Kelly. Property Location: Scott Township. Lender: First Columbia Bank & Trust Co. Amount: $330,613.
LACKAWANNA COUNTY
Pioneer City Shop LLC. Property Location: Carbondale. Lender: Millennium Packaging Service Inc. Amount: $435,000. James P Chiaro. Property Location: Covington. Seller: James P Everett Financial Inc. Price: $378,092. Richard D Sorger. Property Location: Covington Twp. Lender: PNC Bank. Amount: $250,000. Marshall F Peirce. Property Location: Covington Twp. Lender: Peoples Security Bank & Trust Co Amount: $300,000. Uno Keenan Property LLC. Property Location: Dickson City. Lender: First National Community Bank. Amount: $975,000. Uno Keenan Property LLC. Property Location: Dickson City. Lender: Paul J Siegel Jr. Amount: $62,500. SS 449 Ventures LLC. Property Location: Dickson City. Lender: Peoples Security Bank & Trust Co Amount: $935,625. Richard I Schwartz. Property Location: Glenburn. Lender: Quicken Loans. Amount: $ $271,200. Brian D Campfield. Property Location: Glenburn. Lender: Bank Of America. Amount: $602,300.
Savana Properties LLC. Property Location: Jefferson Twp. Lender: Valor Federal Credit Union. Amount: $300,000. Joseph Page. Property Location: Madison Twp. Lender: Stearns Lending LLC. Amount: $298,572. Jeremy Pierson, agent. Property Location: Madison Twp. Lender: NBT Bank. Amount: $264,195. Savana Properties LLC. Property Location: Mayfield. Lender: Valor Federal Credit Union. AMount: $300,000. Lyman Price. Property Location: Moosic. Lender: Fidelity Dep & Disc Bk. Amount: $333,750.00 Christopher Pisano. Property Location: Moscow. Lender: First National Bank Of Pa. Amount: $270,000. Jeremy Wentz. Property Location: Newton. Lender: First National Bank of Pa. Amount: $995,000. Lilac Meadows Inc. Property Location: Old Forge. Lender: Penn East Federal Credit Union. Amount: $1,900,000. Leanne Schirra. Property Location: Olyphant. Lender: Quicken Loans Inc. Amount: $252,000.00 Theresa Demyan. Property Location: Scott Twp. Lender: Everett Financial Inc. Amount: $275,500. Mark Joseph Ross. Property Location: Scott Twp. Lender: Everett Financial Inc. Amount: $264,127. Dennis Leon Smith Jr. Property Location: Scranton. Lender: Peoples Security Bank & Trust Co. Amount: $250,000. Dennis L Smith. Property Location: Scranton. Lender: Peoples Security Bank & Trust Co. Amount: $250,000. Dennis Leon Smith. Property Location: Scranton. Lender: Peoples Security Bank & Trust Co. Amount: $250,000. Dennis Smith. Property Location: Scranton. Lender: Peoples Security Bank & Trust Co. Amount: $250,000. Christopher Pisano. Property Location: Scranton. Lender: First National Bank Of Pa. Amount: $330,000. New Morgan Manor I LP. Property Location: Scranton. Lender: Investors Bank. Amount: $5,850,000. Dmitry Starikov. Property Location: Scranton. Lender: FNCB Bank. Amount: $800,000. Dmitry Starikov. Property Location: Scranton. Lender: FNCB Bank. Amount: $800,000. Dmitry Starikov. Property Location: Scranton. Lender: FNCB Bank. Amount: $95,000. JBAS Realty LLC. Property Location: Scranton. Lender: Wayne Bank Amount: $316,000. 201 Vine Realty LLC. Property Location: Scranton. Lender: Community Bank. Amount: $358,400. Steamtown 300 LLC. Property Location: Scranton. Lender: FNCB Bank. Amount: $1,000,000. Vincent Jordan. Property Location: S Abington Twp. Lender: Freedom Mtge Corp. Amount: $387,421. Thomas S Egan. Property Location: S. Abington Twp. Lender: Wayne Bank. Amount: $417,000. Nicole Gardiner. Property Location: S. Abington Twp. Lender: Wells Fargo Bank. Amount: $301,900. Joseph Drazba. Property Location: Springbrook Twp. Lender: Fidelity Dep & Disc Bk. Amount: $300,000. James J Gaughan. Property Location: Taylor. Lender: Honesdale National Bank. Amount: $2,500,000. Mark Skojec. Property Location: Vandling. Lender: JP Morgan Chase Bank. Amount: $348,000. Salem Road Properties LPProperty Location: W Abington Twp. Lender: Peoples Security Bank & Trust Co. Amount: $3,800,000.
LUZERNE COUNTY
Cocoa Hut 104 Property LLC. Property Location: Nanticoke City. Lender: First Columbia Bank & Trust Co. Import Road LLC. Property Location: Two parcels, Pittston Twp. Lender: Fidelity Deposit & Discount Bank.’ Hazleton Shaft Corp. Property Location: Two parcels, Hazle Twp. Lender: White Oak Global Advisors LLC.
FOR THE RECORD Amount: $21,000,000. Coal Contractors Inc. Property Location: Three parcels, Hazle Twp. Lender: White Oak Global Advisors LLC.Amount: $ $21,000,000. VED LLC. Property Location: Wilkes-Barre City. Lender: First National Community Bank. Amount: $216,800. Millennium Holdings LP. Property Location: Four parcels, Larksville Borough. Lender: First National Community Bank. Amount: $1,000,000. Wilkes-Barre Materoals LLC. Property Location: Two parcels, one in Plains Twp, one in Laflin Borough. Lender: Wilmington Savings Fund Society FSB. Amount: $1,460,000. Gina Giordano. Property Location: Dallas Twp. Lender: First National Community Bank. Amount: $280,250. Sands Springs Development Corp. Property Location: Butler Twp. Lender: Francine L. Evanshaw. Amount: $218,000. Richard Mikolosko Jr. Property Location: Franklin Twp. Lender: MERS. Amount: $326,000. Daniel E Benyo. Property Location: Fairview Twp. Lender: MERS. Amount: $358,548. Joshua Quinter. Property Location: Hazle Twp. Lender: First Keystone Community Bank. AMount: $391,500. Thomas M Kozerski. Property Location: Bear Creek Twp. Lender: MERS. Amount: $298,400. John R Tricarico. Property Location: Harvey’s Lake Borough. Lender: CH Harvey’s Lake Realty LP. Amount: $261,000. Brookhill Plaza LLC. Property Location: Conyngham Borough. Lender: Branch Banking and Trust Co. Amount: $500,000. Alan E Reese. Property Location: Franklin Twp. Lender: Manufacturers & Traders Trust Co. Amount: $320,000. Juliana Green. Property Location: Rice Twp. Lender: MERS. Amount: $408,500. Anthony P Thornton. Property Location: Wright Twp. Lender: MERS. Amount: $352,000. David M Shemo. Property Location: Wyoming Borough. Lender: Landmark Community Bank. Amount: $275,000. MHI Wyoming LP. Property Location: Wyoming Borough. Lender: Keybank. Amount: $300,000,000. Christopher Lont. Property Location: Wright Twp. Lender: JP Morgan Chase Bank. Amount: $313,500. Dean W Jaeger. Property Location: Salem Twp. Lender” USAA Federal Savings Bank. Amount: $284,918. Keith Sterowski. Property Location: Rice Twp. Lender: MERS Inc.. Amount: $272,000. Yassir Nawaz. Property Location: Exeter Borough. Lender: 2004-0000234 LLC. Amount: $283,900. Jeffrey A Sweet. Proeprty Location: Rice Twp. Lender: MERS Inc. Amount: $308,000. John P Henry. Property Location: Jackson Twp. Lender: MERS Inc. Amount: $392,000. William J Smith III. Property Location: Dallas Twp. Lender: MERS Inc. Amount: $399,000. Matthew R Snyder. Property Location: Salem Twp. Lender: PA State Employees Credit Union. Amount: $345,200. Riverside Realty Associates LLC. Property Location: Three parcels, Plains Twp. Lender: Luzerne Bank. Amount: $500,000. Susquehanna West Properties LLC. Property Location: Two parcels, Exeter Borough. Lender: Honesdale National Bank. Amount: $280,000. Hazleton Shaft Corp. Property Location: Two parcels Hazle Twp. Lender: George M. Roskos III. Amount: $4,000,000. Coal Contractors (1991) Inc. Property Location: Three parcels, Hazle Twp. Lender: George M. Roskos III. Amount. $4,000,000. Thomas A Erchinger. Property Location: Rice Twp. Lender: Wells Fargo Bank. Amount: $592,000.
Todd Bartoo. Property Location: Wright Twp. Lender: MERS Inc. Amount: $255,290. Michael Pitcavage. Property Location: Franklin Twp. Lender: Honesdale National Bank. Amount: $350,000. Mahalaxmi Realty. Property Location: Pittston Twp. Lender: Landmark Community Bank. Amount: $2,290,000. Market Square Properties Development LLC. Property Location: Three parcels, Wilkes-Barre City. Lender: Fidelity Deposit & Discount Bank. Amount: $1,080,000. William A Lewis. Property Location: Ross Twp. Lender: First Columbia Bank & Trust Co. Amount: $287,000. Daniel R Luke. Property Location: Kingston Twp. Lender: Honesdale National Bank. Amount: $288,000. MHI Kingston Health Center LP. Property Location: Three properties Kingston Borough. Lender: Keybank. Amount: $600,000.000. Michael Clement Mizzer. Property Location: Plymouth Borough. Lender: Bankers Insurance Co. Amount: $325,000. William Cunningham. Property Location: Plymouth Borough. Lender: Bankers Insurance Co. Amount: $325,000. Robert N Opel II. Property Location: Kingston Borough. Lender: Honesdale National Bank. Amount: $375,000. American Industrial Resources Inc. Property Location: Conyngham Borough. Lender: Mid Penn Bank. Amount: $972,000. American Industrial Resources Inc. Property Location: Conyngham Borough. Lender: Mid Penn Bank. Amount: $972,000. American Industrial Resources Inc. Property Location: Conyngham Borough. Lender: Mid Penn Bank. Amount: $972,000. Nicole Farber. Property Location: Dallas Twp. Lender: NBT Bank. Amount: $327,750. Bruce W Johnston Jr. Property Location: Rice Twp. Lender: MERS Inc. Amount: $320,500. Jason A Harding. Property Location: Exeter Borough. Lender: MERS Inc. Amount: $264,000. Dylan E Briggs. Property Location: Nescopek Twp. Lender: Mid Penn Bank. Amount: $530,000. KCA Realty LLC. Property Location: Two parcels, Wilkes-Barre City. Lender: PNC Bank. Amount: $1,000,000. Yousef Baras. Property Location: Nescopek Twp. Lender: MERS Inc. Amount: $255,290. Dylan E Briggs. Property Location: Nescopek Twp. Lender: Mid Penn Bank. Amount: $530,000. Blackman Square LLC. Property Location: WilkesBarre City. Lender: First National Bank of Pennsylvania. Amount: $432,000. David Coats. Property Location: Nuangola Borough. Lender: MERS Inc. Amount: $258,000. Robert Bartholomew. Property Location: Black Creek Twp.Lender: MERS Inc. Amount. $330,000. Raghava Reddy Levaka Veera. Property Location: Rice Twp. Lender: MERS Inc. Amount: $442,339. Calvin Eng. Property Location: Dallas Twp. Lender: MERS Inc. Amount: $$453,200. Roman J Baran. Property Location: Hazleton City. Lender: Secretary of Housing and Urban Development. Amount: $360,000.
MONROE COuNTY
David Moyer. Property location: Tobyhanna Township. Lender: Mauch Chunk Trust Co. Amount: $370,000. Cobblestone Capital Partners LLC. Property location: Stroudsburg. Lender: Vipul Shah. Amount: $180,000. Enrico Bonetti and Dominic Kozerski. Property location: Hamilton Township. Lender: HSBC USA NA. Amount:
$806,600. Anthony Vargas and Belkis Santana. Property location: Stroud Township. Lender: Atlantic Home Loans Inc. Amount: $293,960. 1723 West Main Street LP. J&R Property Investment LLC (gen. partner). Property location: Stroud Township. Lender: First Keystone Community Bank. Amount: $1,000,000. Floyd and Ingrid Yaw. Property location: Jackson Township. Lender: New Penn Financial LLC. Amount: $335,600. Claudine Service-Rose. Property location: Middle Smithfield Township. Lender: Acre Mortgage & Financial Inc. Amount: $337,789. Charrisse Sutton and Lamont Dabney. Property location: Hamilton Township. Lender: Quicken Loans Inc. Amount: $312,075. LTS Homes LLC. Property location: Price Township. Lender: Wayne Bank. Amount: $250,000. Kenneth and Lauren Pickette. Property location: Stroud Township. Lender: Majestic Home Loan. Amount: $300,799. JJ Fixl Properties LLC. Property location: Chestnuthill Township. Lender: First Northern Bank and Trust Co. Amount: $560,000. Global Real Estate Solutions LLC. Property location: Stroudsburg. Lender: Lendinghome Funding Corp. Amount: $123,500. NOR Properties LLC. Property location: Chestnuthill Township. Lender: Unity Bank. Amount: $150,000. Cheryl and Howard Powell Jr. Property location: Tobyhanna Township. Lender: Citizens Bank of Pennsylvania. Amount: $331,500. Donald Heller and Tanya Clothier. Property location: Hamilton Township. Lender: First Northern Bank and Trust Co. Amount: $450,000. Michael and Linda Benzi. Property location: Tobyhanna Township. Lender: ESSA Bank & Trust. Amount: $417,000. Cresson Point Properties LLC. Property location: Hamilton Township. Lender: First Northern Bank and Trust Co. Amount: $652,000 and $163,000. ARLP REO 400 LLC, ARLP I LLC, Altisource Residential LP. Property location: Mt. Pocono. Lender: NRP Mortgage Trust I. Amount: $250,000,000. LTS Homes LLC. Property location: Smithfield Township. Lender: FNCB. Amount: $195,920 and $22,500. Mountain Price 2016 LLC. Property location: Middle Smithfield Township. Lender: Casey Barker. Amount: $45,394. Mountainside Plaza Inc. Corp. Property location: Coolbaugh Township. Lender: NBT Bank NA. Amount: $565,000. Terrapin Bus Station LLC. Property location: Mt. Pocono. Lender: Community Bank NA. Amount: $600,000. Luz Santamaria-Morales and Eddy Morales. Property location: Tunkhannock Township. Lender: Movement Mortgage. Amount: $302,575. Lisa and Jeffrey Wiedecke. Property location: Middle Smithfield Township. Lender: Summit Mortgage Corp. Amount: $485,723. university Properties Inc. Property location: Smithfield Township. Lender: Wells Fargo Bank NA. Amount: $400,000. university Properties Inc. Property location: East Stroudsburg. Lender: Wells Fargo Bank NA. Amount: $400,000. BRFS Realty Management LLC. Property location: Stroud Township. Lender: FNCB Bank. Amount: $900,000 and $350,000. 1903 West Main Street Realty Management LLC. Property location: Stroud Township. Lender: FNCB Bank. Amount: $900,000 and $350,000.
Mountainside Plaza Inc. Corp. Property location: Smithfield Township. Lender: NBT Bank NA. Amount: $489,000. 365 Pocono Real Estate LLC. Property location: Coolbaugh Township. Lender: Wells Fargo Bank NA. Amount: $300,000. DLP Equity Fund I LP. Property location: Coolbaugh Township. Lender: Sussex Bank. Amount: $1,775,000. RKKB Plaza LLC. Property location: Middle Smithfield Township. Lender: Wayne Bank. Amount: $1,000,000. DLP SF Fund I LLC. Property location: Middle Smithfield Township. Lender: Sussex Bank. Amount: $1,775,000. 0229 Ventures LLC. Property location: Tobyhanna Township. Lender: Sussex Bank. Amount: $1,775,000. Good As New Ventures LLC. Property location: Tobyhanna Township. Lender: Sussex Bank. Amount: $1,775,000. Annemarie Algeo-Filler. Property location: Jackson Township. Lender: Key Capital Mortgage Inc. Amount: $650,000. Wen-Tann Partners LLC. Property location: Pocono Township. Lender: Delval Business Finance Corp. Amount: $985,000. William Weber. Property location: Chestnuthill Township. Lender: Allied Mortgage Group Inc. Amount: $1,440,000. RVC LLC. Property location: Paradise Township. Lender: Peter Lum. Amount: $151,000. LTS Homes LLC. Property location: Price Township. Lender: Wayne Bank. Amount: $219,040. GNJ Homes Inc. Property location: Price Township. Lender: Colony American Finance Lender LLC. Amount: $500,000.
SCHuYLKILL COuNTY
Sonric Assoc. Property Location: Pottsville Twp. Lender: Gratz Bank. Amount: $ 820,000. Jose and Ana Castellanos. Property Location: New Ringgold Twp. Lender: Riverview Bank. Amount: $ 375,000. Tamaqua Assoc LP. Property Location: Rush Twp.. Lender: CN Bank. Amount: $982,500. Tamaqua Assoc LP. Property Location: Rush Twp. Lender: CN Bank. Amount: $ 1,398,218. Gricoski Funeral Home. Property Location: Butler Twp.. Lender: PSECU. Amount: $ 126,000. Barry and Sheila Palmer. Property Location: Wayne Twp.. Lender: Gratz Bank. Amount: $ 310,000. Bobbi’s Bloomers. Property Location: Frackville Twp. Lender: Northwest Savings Bank. Amount: $136,000.
WAYNE COuNTY
John Skerchock. Property Location: Manchester. Lender: Honesdale National Bank. Amount: $360,000. Timothy Meagher. Property Location: Lehigh. Lender: PNC Mortgage. Amount: $417,000. Jennifer Manger. Property Location: Paupack. Lender: Wayne Bank. Amount: $357,684. Raymond C Davis. Property Location: Preston. Lender: Peoples Security Bank & Trust Co. Amount: $300,000. Thomas J Butler. Property Location: Berlin. Lender: Ann B Butler. Amount: $425,000. Michael J Jagacki. Property Location: Palmyra. Lender: Affinity FCU. Amount: $336,775. Marc Pilotta. Property Location: $400,000. Lender: Honesdale National Bank. Amount: $400,000. John D Kretschmer. Property Location: Cherrry Ridge. Lender: Honesdale National Bank. Amount: $352,000. Colleen Rhyne. Property Location: Lebanon and Oregon. Lender: Honesdale National Bank. Amount: $300,000. John Tuleya. Property Location: Two mortgages,
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FOR THE RECORD Prompton and Cherry Ridge. Lender: Honesdale National Bank. Amount: $320,000 each. William T Bainbridge. Property Location: Paupack. Lender: JP Morgan Chase Bank. Amount: $520,000. Anthony W Bourdow. Property Location: Paupack. Lender: Citizens Bank NA. AMount: $376,000. Albert F Gender. Property Location: Damascus. Lender: Navy FCU. Amount: $284,075. James Brennan. Property Location: Damascus. Lender: MERS. Amount: $252,000. S&T Properties. Property Location: Manchester. Lender: Honesdale National Bank. Amount: $313,000. Karl Roneker. Property Location: Damascus. Lender: Honesdale National Bank. AMount: $295,500. EKG Partnership. Property Location: Texas and Honesdale. Lender: The Dime Bank. Amount: $300,000. Countrywide Apartment Rentals. Property Location: Salem. Lender: First National Bank of PA. Amount: $1,488,000. Donna M Kuchta. Property Location: Manchester. Lender: MERS. Amount: $360,000. Brian Delrio. Property Location: Paupack. Lender: Paupack. Amount: $264,000.
WYOMING COUNTY
Carl A Penedos. Property Location: Tunkhannock Borough. Lender: PS Bank. Amount: $262,500. Caminha LLC. Property Location: Tunkhannock Borough. Lender: PS Bank. Amount: $262,500. William E Clark. Property Location: Clinton Twp. Lender: Fidelity Deposit and Discount Bank. Amount: $318,936. Chelsey Feola. Property Location: Clinton Twp. Lender: PS Bank. Amount: $261,174. Thomas R Milnes. Property Location: Eaton Twp.
Lender: PS Bank. Amount: $1,121,704. Bobbie Jo Lenahan. Property Location: Overfield Twp. Lender: MERS Inc. Amount: $261,300. CHK Utica LLC, Chesapeake Clements Acquisition LLC, Chesapeake Appalachia LLC, Chesapeake Exploration LLC, Chesapeake Land Development Co LLC, Chesapeake Royalty LLc, Empress LLC, GSF LLC, MC Loiusiana Minerals LLC, MC Mineral Co LLC, Chesapeake Louisiana LP, Empress Louisiana Properties LP. Property Location: Townships of Mehoopany, Windham, North Branch, Forkston, Meshoppen, Nicholson, Washington, Lemon, Braintrim and Tunkhannock. Lender: Randall Osterberg trustee, Deutsche Bank Trust Co. Americas. Amount: $10,000,000,000. Anthony R Tyler. Property Location: Washington Twp. Lender: MERS Inc. Amount: $265,000.
NEw INCORpORaTIONs CARBON COUNTY
JCS Global Distribution, Inc. Filed: July 6. Distribution & logistic services. 475 Sand Quarry Rd., Palmerton. J Mahner Enterprise LLC. Filed: JUne 24. Cleanout and general contracting. 2640 Interchange Rd, Lehighton. Knight Terrors LLC. Filed: June 15. Property rental/ management. 632 Lehigh Ave., Palmerton. Newson Rental & Leasing Llc. Filed: July 7. Rentals And Leasing. 135-139 North 1St St. Lehighton. Mayernik Consulting LLC. Filed: June 15. Business Consulting, Quality Control, Training. 670 Mill Run Dr., Lehighton. Lehighton Outdoor Center LLC. Filed: June 23. Rafting Co., 123 Lehigh Dr., Lehighton. ONE TEN TAVERN LLC. Filed: July 6. Bar and restaurant. 110 Delaware Ave., Palmerton.
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St Peter’s Community Resource Center Inc.Filed: June 15. 177 Main Rd., Lehighton. RA Properties LLC. Filed: July 7. Rent residential properties. 500 S. Clearfield Rd., Cabot. Romerica Tours Inc. Filed: July 4. Tour company. 15 Piute Trail. Albrightsville.
LACKAWANNA COUNTY
Properties LLC. Filed: June 24. Real Estate. 1613 Summit Lake Rd., Clarks Summit. JPW Consulting LLC. Filed: June 21. Healthcare and mgmt. consulting. 400 Maplewood Dr., Dickson City Kiki’s Flustered LLC. Filed: June 30. Mustard sales. 924 Sunset St., Scranton. KPT Holding LLC.Filed: July 6. Clothing sales. 221 Windsor Way. Roaring Brook Twp. Lackawanna Computer Repair LLC. Filed: June 14. Computer Repair and Sales. 312 Lackawanna Ave., Olyphant. Nikki and Kim’s VIP Boutique LLC. Filed: June 23. Independent LuLaRoe fashion consultants. 317 Greenfield Rd., Scott Township. Morse’s Tree Services, Inc. Filed: July 8. Tree removal. 1377 Becks Crossing Rd. Madison Township. Legendary Autoworks LLC. Filed: July 8. Auto repair and sales. 103 Willow St., Archbald. Mobile Waste & Recycling LLC. Filed: June 17. Waste removal and recycling. 1180 Winola Rd., Clarks Summit. Mobile Therapy Services LLC. Filed: July 1. House call therapy practice. 8 Leggs Rd., Covington Twp. LL Creative Concepts LLC. Filed: June 13. Internet sales. 605 Main St., Richmondale. Maple Lane Productions LLC. Filed: June 20. Media productions. 2105 E. La Plume Rd., LaPlume. Old Forge Historical Society. Filed: July 5. Historical society. 606 Kohler Ave., Old Forge. Petal Share LLC. Filed: June 12. Donating Flowers to Nursing Homes. PO Box 401, Waverly. Powderly Industries LLC. Filed: July 2. Real estate. 495 N. Abington Rd., Clarks Green. Pocono Contracting LLC. Filed: July 5. Contracting. 107 Swartz Valley Rd., Springbrook Twp. Zen Den Enterprises LLC. Filed: June 27. Cafe, restaurant business. 1717 Sanderson Ave., Scranton. School Colors Inc.Filed: June 13. Light manufacturing and screen printing. 807 Main St., Dickson City. Scranton Pizzeria LLC. Filed: June 16. Pizzeria. 1225 Mulberry St. Scranton. Scranton Remodel and Construction LLC. Filed: June 20. Construction. 505 Center St., Throop. Volpe LLC.Filed: June 20. Fashion Design. 336 Oakford Rd. Clarks Summit. Summit Music Therapy LLC. Filed: June 28. Music therapy services. 516 Layton Rd. South Abington Twp. Wild Titles LLC. Filed: June 23. Specialty printing services. 305 Justus Blvd. Scott Township. Signs To Care Inc. Filed :June 27. Signs and novelties. 205 Forest Drive. Roaring Brook Twp. Woodridge Circle Homeowners Association. Filed: July 5. 19 Woodridge Circle. Clarks Summit. Zajac Real Estate Investments LLC. Filed: June 13. 508 Union St. Peckville. Uno Keenan Property LLC. Filed: June 22. Real estate. 14028 Orchard Dr., Clarks Summit. RH Smith Farms LLC. Filed: June 16. Farming. 201 Corduroy Rd., Factoryville. Rock Garb Clothing LLC. Filed: July 8. Internet sales of apparel. 215 Pancoast St., Throop. Round Woods Realty LLC. Filed: June 23. Real Estate. 1318 Bryn Mawr St., Scranton. RY Mechanical LLC. Filed: July 1. Plumbing, Heating and Air Conditioning. 2335 Hamlin Highway, Madison Township.
LUZERNE COUNTY
Jake Stark Enterprises LLC. Filed: June 20. Business consulting services. 225 Phillip St., Nanticoke. Janet Dorothy LLC. Filed: July 3. Cosmetics. AK Group, Wilkes-Barre. Jina Clara LLC. Filed: June 28. Motor Carrier Transportation (Trucking). 524 N. Wyoming St., Hazleton. Johnny Enterprise Inc. Filed: June 13. Seasonal Calendar, Toys & Games. 29 Wyoming Valley Mall, Wilkes Barre. Keystone Tax Solutions LLC. Filed: June 15. Provide consulting services to governmental clients. 9 N. Main St., Pittston. Ma Slocum Inc. Filed: June 28. Restaurant/Bar. 265 Slocum St., Kingston. MAK Educational Program Advisors LLC. Filed: June 15. Consulting. 245 Reynolds St., Kingston. Leffler Family Services, Inc. Filed: June 13. General business corporation/payroll. 465 South Main St., Wilkes-Barre. N&J Services Corp.Filed: June 15. Multi-service office. 237 W. Broad St., Hazleton. Mt Zion Financial Services LLC.Filed: June 20. Provide Financial Fitness Products. 1230 Memorial Highway, Shavertown. North American Service Group LLC. Filed: June 22. 1425 Wyoming Ave., Forty-Fort. MZA Beverages Inc. Filed: July 4. Beverage distributor. 534 S. Franklin St., Wilkes-Barre. N&J Services Corp. Filed: June 15. Tax & accounting consultant. 237 W Broad St., Hazleton. Power E-Cycling LLC. Filed: June 15. Electronic Recycling. 767 Sans Souci Parkway, Wilkes-Barre. N&J Services Corp.Filed: June 15. Tax consultant and bookkeeping. 237 W. Broad St., Hazleton. N&W Transportation LL. Filed: July 7. Motor Carrier Transport. 222 Allen St., Hazleton. Mimi S Beauty Supply Inc. Filed: June 20. Retail hair store. 703 Market St., Kingston. Patriot Square Deli LLC. Filed: June 27. Deli & coffee shop. 1 West Broad St., Nanticoke. Parma Housing LLC. Filed: June 22. Rental real estate. 204 Chittenden St., Duryea. Padilla Trucking LLC. Filed: July 1. RA multiservice and immigration. 157 Holly Lynn Dr., Hazle Twp. Loyalty Barber Shop of Wilkes-Barre LLC. Filed: June 16. Cutting Hair. 94 S Main St., Wilkes-Barre. LW POST LLC. Filed: June 20. 386 S. Mountain Blvd. Mountain Top. LW POST LLC. Filed: June 20. Real estate investment. 386 S. Mountain Blvd., Mountain Top. North American Service Group LLC. Filed: June 22. Merchant Services. 1425 Wyoming Ave., Forty-Fort. Peking Chef of 309 Inc. Filed: June 30. Restaurant. Memorial Highway, Dallas. Peter Ann Holdings LLC. Filed: June 30. Real estate. 335 Church St., Kingston. Rental Management LLC. Filed: June 28. Real estate. 437 E. Main St., Plymouth. Phamily Living LLC. Filed: June 14. Real estate. 199 Laird St., Wilkes-Barre. Reruns Consignment Shop LLC. Filed: June 13. Consignment of clothing and related accessories. 295 Wyoming Ave., Wyoming. Whimsy Consignment LLC. Filed: July 7. Consignment store. 839 Lewis Rd. Wyoming. Siren Media LLC. Filed: June 15. Outdoor billboard advertising. 9 N Main St., Pittston. SKY LOGISTICS LLC. Filed: June 14. Trucking. 328 Kiefer Ave., Hazleton. SHICK 1 LLC. Filed: July 5. Real estate. 518 McKendree Rd., Shickshinny.
FOR THE RECORD SlusserLawn Care LLC. Filed: June 16. Lawn Care. 1620 North Church St. Hazleton. Special Projects 88 LLC. Filed: June 17. Real Estate. 150 Brown St., Pittston. Santarelli Trading Exchange LLC. Filed: July 5. Education & consulting. 225 Wyoming Ave., West Pittston. RRI Ltd. Filed: June 28. Management consultancy. 14 New Lake Dr., Drums.
MonRoE CounTy
HSPA Properties LLC. Filed: July 5. Property Holdings. 5106 White Birch Drive, Pocono Summit. JP Hospitalist Services LLC. Filed: June 27. Hospitalist services. 365 Sycamore Dr.. East Stroudsburg. JP Hospitalist Services LLC. Filed: June 27. Medical services. 365 Sycamore Dr. East Stroudsburg. JP Hospitalist Services LLC. Filed: June 27. 365 Sycamore Dr., East Stroudsburg. Kuse LLC. Filed: July 1. Barber shop. 5 Dansbury Ter, East Stroudsburg. L Pagano LLC. Filed: June 15. Real estate/banking. 6431 Laurel Rd. Pocono Summit. L&D Transport Inc. Filed: June 20. Trucking. 344 Clay Ave. Stroudsburg. MC Squared Services LLC. Filed: June 27. Handyman/ Home Improvement. 117 Huntington Dr. East Stroudsburg. Mulberry St., Italian Eatery Inc. Filed: July 5. Restaurant. 1523 N. 9th St., Stroudsburg. normando Transportation LLC. Filed: June 30. Transportation. 1011 Shogun Dr., Effort. Line of Duty LLC.Filed: June 20. Online Cigar retail sales. 4151 Upper Smith Gap Rd., Saylorsburg. Loveday nutritional Therapy LLC. Filed: June 21. Nutritional therapy. 254 Sir Bradford Rd., Blakeslee. MAKS Marketing and Consulting Group Inc. Filed: June 20. Business and public services. 300 Sycamore Dr., East Stroudsburg. Precious Hearts Pet Sitting LLC. Filed: June 20. Pet sitting & walking. 6107 Cumberland Rd., Tobyhanna. Pennsylvania Computer Services LLC. Filed: July 5. Property inspections/mgmt. 351 Evergreen Hollow Rd., Effort. Power Coaching Services LLC. Filed: June 23. Professional Speaking Services. 4125 Crest View Dr., Stroudsburg. Renewing your Mind Productions LLC. Filed: June 20. 243 E. Brown St., East Stroudsburg. Renewing your Mind Productions LLC. Filed: June 20. Film, Stage, Television, Events Production Co. 243 E. Brown St., East Stroudsburg. Sera Derma LLC. Filed: June 21. Manufacturing/sales of all natural cosmetics and insect repellents. 3248 Stonehenge Dr., East Stroudsburg. Vincent C Giampapa M.D. ConsultingnInc. Filed: June 28. 20 German Valley Rd. Canadensis. Preferred Carpentry LLC. Filed: June 14. Home improvements and renovations. 125 Jamie Ct., Stroudsburg. Wink Consulting Service, LLC. Filed: June 24. Consulting services. 4248 Hemlock Rd., Kunkletown. Van Auken Web Design LLC. Filed: July 8. 222 Route 715, Brodheadsville. SA Properties 5 LLC. Filed: June 13. Real estate. 8471 Bumble Bee Way, Tobyhanna. REK Material Haulers LLC. Filed: June 26. Trucking. 2355 Candlewood Lane, Blakeslee. Sake Japanese Steakhouse LLC. Filed: June 29. Japanese restaurant. 1146 S. Main Ave., Scranton.
PIKE CounTy
International School Associates LLC. Filed: July 1. Educational services. 171 Willow Dell Rd., Dingmans Ferry. Keynote Asset Management Inc.Filed: June 15. Financial management and other financial services. 400 Broad St., Milford.
no Excuses Show LLC. Filed: June 29. TV & radio talk show. 157 Saunders Dr., Bushkill. next Level Soccer of nEPA LLC. Filed: June 20. Soccer training programs. 177 Elizabeth St., Hawley. Park Plex Equity LLC. Filed: July 1. Real Estate. 110 Fox Ct., Dingmans Ferry. LuLaRoe Traveling Roe Show LLC. Filed: June 27. Retail. 131 Mulberry Dr., Milford. PCT Holdings LLC. Filed: July 8. Retirement Investment Holding. 145 Hawk View Dr., Milford. Pocono Center for oral, Facial & Implant Surgery LLC. Filed: June 28. Dental practice. 16 Pennsylvania Ave., Matamoras. unlocked Escape Rooms LLC. Filed: June 24. 170. A physical adventure game. Tulip St., Dingmans Ferry. WALLy’S CABInS LLC. Filed: June 22. Real estate. 131 North Colony Cove Rd., Tafton.
SCHuyLKILL CounTy
Jay and Raj LLC. Filed: June 24. Real Estate. 15 E Lawton St., St. Clair. JH Mart LLC. Filed: June 29. Gas station/retail business. 45 S. 2nd St. St. Clair. Kressly CALC LLC. Filed: July 5. Construction/contractor-general contracting. 526 E Main St., Schuylkill Haven. L&L Games LLC. Filed: June 24. Development of games. 1618Walnut St. Ashland. LD Fitness LLC. Filed: June 13. Fitness Management. 1747 Tanglewood Rd. Orwigsburg. RV BEVERAGE LLC. Filed: June 17. Food and beer store. 704 Claremont Ave. Tamaqua. Vell 9 Fitness LLC. Filed: June 22. Fitness Management. 1946 Wynonah Dr., Auburn. SAL Properties II LLC. Filed: June 13. Real Estate. 218 West Market St. Roman Restoration Ltd. Filed: June 22. Restoration services. 349 Valley St., Brockton.
SuSquEHAnnA CounTy
IMEX PA LLC. Filed: June 24. Saw Blade Sales, 14 Merrill St., Hallstead. Lawton Power Systems, LLC. Filed: June 27. Provide electrical contractor services. 8131 State Route 267. Montrose. Malwa Venture LLC. Filed: June 16. Beer distributor. 1492 Oliver Rd., New Milford. Relax, Rejuvenate & Restore Therapeutic Massage LLC. Filed: June 29. 159 Lake Roy Circle. New Milford. Ziegler Custom Creations, LLC. Filed: June 21. Construction/contractor-remodel existing residential properties.16 Lower Podunk Rd. New Milford.
WAynE CounTy
Katz Financial LLC. Filed: June 24. Financial Consulting/Stock Broker. 753 Golf Park Dr., Lake Ariel. PM Enterprise LLC.Filed: July 8. Real Estate. 392 Lakeshore Dr., Lakeville. M Bertie Hunt LLC. Filed: June 15. School bus contractor. 523 Stockport Rd., Lake Como. Martha’s Market LLC. Filed: June 21. Deli and convenience store. 526 Main St., Gouldsboro. Veloce Coaching LLC. Filed: June 16. Cycling And Fitness Coaching, Sports Clothing And Equipment Retailer, 295 Stock Farm Rd. Lake Ariel. Sohi Beverages LLC. Filed: June 23. Selling food and beverages. 2657 Hancock Hwy., Equinunk. Rey Reino LLC. Filed: June 16. Management Consulting. 583 Lakeshore Dr., Lakeville.
WyoMInG CounTy
House Investment LLC. Filed: June 20. Investments. 2757 Adirondack Drive, Blakeslee.
Kotch Logging LLC. Filed: June 12. Timber Harvesting. 360 Derhammer Lane, Monroe Twp. People united in Recovery Inc. Filed: July 8. Drug & alcohol awareness, 32 Redfield St., Tunkhannock. yokeup Interiors LLC,Filed: July 5. Aircraft Upholstery. 48 Windsock Lane. Factoryville. Prime Wellness of Pennsylvania LLC. Filed: July 1. Sales. 217 Wyoming Ave., Scranton. S&C Stone LLC. Filed: June 20. Stone Manufacturing. 1667 Dougherty Rd. Meshoppen. Sugar Hollow Service Center LLC. Filed: June 14. Truck and Equipment Repair/Maintenance. 6 Jenks Rd. Tunkhannock.
STOCKS
This report on insider trading activity has been prepared for informational purposes only by James Blazejewski, CFP, senior vice president-investment officer, Wells Fargo Advisors LLC, 672 North River St., Suite 300, Plains, PA 18705. Wells Fargo Advisors LLC It is based on information generally available to the public from sources believed to be reliable. No representation is made that the information is accurate or complete and it does not constitute a recommendation to buy or sell any particular security. Current information contained in this report is not indicative of future activity. Wells Fargo Advisors LLC, member NYSE & SIPC. James.blazejewski1@wfadvisors.com. 570-9914110, Fax 570-991-4200,Toll Free 866-481-6697. home. wellsfargoadvisors.com/james.blazejewski1 Source of data: Thomson Financial
InSIDER TRADInG ACTIVITy on SToCKS oF LoCAL InTEREST FoR SEPTEMBER (BBT – 36.38) BB&T CoRP. Barbara Duck, vice president of BB&T Corp., exercised options on July 25 for 29,976 shares at $16.88 per share (exercised 2.6 years prior to the expiration date) for a total cost of $505,995 and on the same date sold those shares at $36.79 per share for total proceeds of $1,102,934. Duck controls 83,014 shares directly and 21,356 shares indirectly. Kelly King, chairman of the board of BB&T Corporation, exercised options on July 25 for 46,216 shares at $16.88 per share (exercised 2.6 years prior to the expiration date) for a total cost of $780,126 and on the same date sold those shares at $36.76 per share for total proceeds of $1,699,002. King controls 285,976 shares directly and 161,719 shares indirectly. Over the last six months insiders of BB&T Corporation acquired 77,737 shares and disposed of 291,964 shares. (CBu – 43.84 ) CoMMunITy BAnK SySTEM InC. Mark Tryniski, chief executive officer of Community Bank System Inc., exercised options on July 27 for 21,949 shares at $17.82 per share (exercised 2.7 years prior to the expiration date) for a total cost of $391,131 and on the same date surrendered 15,620 shares back to Community Bank System Inc., at $44.05 per share for total proceeds of $688,061. Tryniski controls 119,631 shares directly and 15,840 shares indirectly. Brian Ace, director of Community Bank System Inc., exercised options for 3,817 shares on July 26 at $22.94 per share (exercised 5.8 months prior to the expiration date) for a total cost of $87,562 and on the same date sold those shares at $43.40 per share for total proceeds of $165,658. Ace controls 46,458 shares directly and 130 shares indirectly. Nicholas DiCerbo, chairman of the board of Community Bank System Inc., sold 4,000 shares on July 25-26 at $43.85 per share for total proceeds of $175,400. DiCerbo controls 198,921 shares directly. Over the last six months, insiders of Community Bank System Inc., acquired 77,250 shares and disposed
of 66,962 shares. (FuLT – 13.44) FuLTon FInAnCIAL CoRP. James Moxley, III, director of Fulton Financial Corporation, purchased 9,896 shares on July 27 at $13.71 per share for a total cost of $135,661. Moxley controls 44,270 shares directly and 75,664 shares indirectly. Over the last six months, insiders of Fulton Financial Corporation acquired 9,896 shares and disposed of 24,324 shares.
(FDX – 159.18) FEDEX CoRP. Michael Ducker, officer of Fedex Corp., exercised options on July 22 for 5,000 shares at $105.40 (exercised 2.1 months prior to the expiration date) for a total cost of $526,975 and on the same date sold those shares at $158.43 per share for total proceeds of $792,125. Ducker controls 51,265 shares directly and 639 shares indirectly. Over the last six months, insiders of Fedex Corporation acquired 266,259 shares and disposed of 262,164 shares.
(FnB – 11.97 ) FnB CoRP. Vincent Delie, chief executive officer of FNB Corporation, purchased 5,000 shares on July 29 at $11.97 per share for a total cost of $59,850. Delie controls 175,054 shares directly. William Campbell, director of FNB Corporation, purchased 1,100 shares on July 29 at $11.98 per share for a total cost of $13,175. Campbell controls 82,771 shares directly. Frank Mencini, director of FNB Corporation, purchased 1,000 shares on July 29 at $11.97 per share for a total cost of $11,965. Mencini controls 9,850 shares directly. Stephen Martz, director of FNB Corporation, purchased 1,000 shares on July 28 at $11.97 per share for a total cost of $11,969. Martz controls 127,268 shares directly. Over the last six months, insiders of FNB Corporation acquired 44,983 shares and disposed of 36,532 shares. (MTB – 112.00) M&T BAnK CoRP. Drew Pfirrman, vice president of M&T Bank Corp. sold 3,920 shares on August 1 at $114.44 per share for total proceeds of $448,588. Pfirrman controls 3,590 shares directly. Over the last six months, insiders of M&T Bank Corp. disposed of 39,972 shares.
(nBTB – 29.59) nBT BAnCoRP InC. Martin Dietrich, chairman of the board of NBT Bancorp Inc., exercised options on July 27 for 50,000 shares at $20.28 per share (25,000 shares exercised 3.5 years prior to expiration and 25,000 shares exercised 1.5 years prior to expiration) for a total cost of $1,013,790. On the same date, Dietrich surrendered 21,470 shares back to NBT Bancorp, Inc. at $29.97 per share for total proceeds of $643,456 and sold 25,000 shares at $29.78 per share for total proceeds of $744,495. Dietrich controls 166,345 shares directly and 30,352 shares indirectly. Jeffrey Levy, vice president of NBT Bancorp Inc., exercised options on July 27 for 31,000 shares at $23.98 per share (9,000 shares exercised 3.5 years prior to expiration; 13,000 shares exercised 2.5 years prior to expiration and 9,000 shares exercised 5.2 months prior to expiration) for a total cost of $743,507 and on the same date sold those shares at $29.83 per share for total proceeds of $924,758. Levy controls 48,139 shares directly and 6,959 shares indirectly. Over the last six months, insiders of NBT Bancorp Inc., acquired 111,900 shares and disposed of 106,911 shares. Prices as of Close of Business Aug. 2, 2016
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