Southwestern Pennsylvania Business Journal - Spring 2024

ON AREA BUSINESS WITH BUSINESS PROFILES

NEW WELCOME AND EDUCATION CENTER AT PENNSYLVANIA TROLLEY MUSEUM OFFERS MORE EXHIBITS REBRANDEDPTCHAMBER: ANDREFRESHED

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All aboard: Pennsylvania Trolley Museum unveils new Welcome and Education Center

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Hearing Health...Why does it matter? – Swift Audiology

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Premier Retail Support guides businesses to the right location

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Washington Financial Bank marks 125 years serving community

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Community Bank leading with people and technology

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Don’t wait to start investing, regardless of economy — What you need to know about economic trends and financial planning

{from the editor}

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A new partner for an essential healthcare system

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Meet the new Leadership Washington County Executive Director, Trish Romano

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New back pain treatment makes its way to the South Hills – Premier Chiropractic Clinic

Local businesses drive our community

Hello there! This edition of the Southwestern Pennsylvania Business Journal contains the Business Profiles, which gives a selection of our partners the space to feature some of their current offerings and items on the horizon.

This publication is always a joy to coordinate and put together because I get the honor of showcasing some fantastic developments in our region. The vibrancy of Southwestern Pennsylvania depends on thriving local industry, and it is a pleasure to contribute to that, even in a small way.

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Paradise Candy: A century of sweetness in Washington

These types of shops are the lifeblood of our community. We all know how important it is to support the local Little League teams and how the big box stores and other megacorporations won’t be the ones donating baskets to raffles. Working in community journalism for my entire career, I see this play out constantly.

On that same line, Rick Shrum chatted with one local service that helps small businesses select the best location to help them thrive — Premier Retail Support. Dan O’Connell provides guidance on the commercial real estate market for choosing the best location for success. The website offers extensive resources on topics like demographics, construction, traffic, leasing and more. If you’re thinking about starting a business or are already deep in your entrepreneurial endeavor, Premier Retail Support might give you the leg up you’ve been looking for.

Another way small business owners can get ahead is by joining their local chamber of commerce. We always feature chambers of commerce in the Business Journal because these organizations are the backbone of their professional communities. They provide expertise, networking, and resources. In this edition, Peters Township Chamber of Commerce Executive Director Amy Petro covers the transition to the PT Chamber, which has a new website, name, logo, branding, office staff, and a newly remodeled office.

All this and more is inside. Thanks so much for reading. If you have suggestions for future potential stories, please let me know. Dan O’Connell himself reached out to me via email, resulting in the story in this edition. Please contact me with questions, comments or concerns at tthurston@observer-reporter.com or 724-222-2200 ext. 2421. As always, I would love to hear from you. Until next time, take care and be safe. Editor

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‘Happy 100th anniversary to our grand Association’ - First Federal of Greene County celebrates milestone year

South Hills Auto: 50 Years of Driving Community Forward

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Slovenian Savings and Loan Association — traditional values, personal service

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How to choose a modular or mobile home

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Chamber Spotlight: Peters Township Chamber of Commerce

Designed by Megan Morris/Observer-Reporter

A collage featuring the Pennsylvania Trolley Museum, top, courtesy of the Washington County Tourism Promotion Agency, and the PT Chamber office staff, courtesy of the PT Chamber. An

Niche Publication

122 South Main Street, Washington, PA 15301 724.222.2200

Editor

Trista Thurston

Advertising Director

Carole DeAngelo

Graphic Designer

Megan Morris

Contributors

Kristin Emery

Natalie Gloady

Amy Petro

Rick Shrum

Jill Thurston

Maddie Vranish

All aboard:

Pennsylvania Trolley Museum unveils new Welcome and Education Center

Courtesy of the Washington County Chamber of Commerce and Tourism Promotion Agency

2024 marks a milestone year for the Pennsylvania Trolley Museum, which had its beginnings in Washington County over 70 years ago when the first trolleys arrived at its site near the Washington County Fairgrounds. What started with just three trolleys in 1954 is now a collection of 52 historic railway cars, 130 active volunteers and over 38,000 visitors last year. The Pennsylvania Trolley Museum continues to expand and modernize as it embraces its mission to educate and enlighten visitors from around the world on the important history of the Trolley Era.

With the grand opening of its Welcome and Education Center late last year, the Pennsylvania Trolley Museum is poised to enter its eighth decade as a top tourist attraction and educational destination in the region. If it has been a while since you have been, come back. This whole new museum has something for everyone from all generations.

The Welcome and Education Center is a brand new 21,000-square-foot building complete with beautiful architecture, natural light and educational exhibits. A gallery displays unique artifacts dating back several decades, including trolley signage, an authentic trolley driver uniform and even the orig-

inal clock from Pittsburgh’s Penn Station. There are also embedded videos throughout the space that give visitors a deeper understanding of this significant historical time.

Children and adults alike enjoy the eight new interactive exhibits created in partnership with the Daniel G. and Carole L. Kamin Science Center. Try your hand at being a trolley operator in the simulator, or learn about power creation in the solar panel exhibit. In addition to an experiential component, these multigenerational exhibits include a historical description to enhance the lesson further. This museum portion will continue to grow as seven new simulators are added over the next year.

Stop by the 20th Century Electric Railway Foundation Theater during your visit. Sit back, relax and enjoy learning about the history of trolleys in the region on a large 8-by-15foot LED screen.

During your visit, you cannot miss the Trolley Display Building, which houses approximately 25 historic rail vehicles lovingly restored by volunteers. Climb aboard the restored trolleys and immerse yourself in what transportation was like at the turn of the century. Filled with one-of-a-kind camera

opportunities, have your photo taken in the trolley featured in an episode of Mister Rogers Neighborhood or pose on the Toledo Trolley Parlor Car from 1906, complete with plush velvet seats. A new addition to the display building is the high-level platform that gives guests access to some newly displayed cars at the Museum, like the high-speed bullet car that ran between Philadelphia and Norristown, Pa.

No visit to the Pennsylvania Trolley Museum is complete without a trolley ride. With admission, every museum visitor can experience the four-mile interurban ride and the one-mile loop excursion on one of the fully restored antique trolleys.

Educational development is the cornerstone of the Pennsylvania Trolley Museum. With a full-time manager of educational programs and STEAM on staff, as well as a dedicated classroom, the Pennsylvania Trolley Museum hosts school groups, scout troops and other organizations to learn and have fun at the museum.

Kids look forward to the yearly STEAM-focused summer camp series at the Pennsylvania Trolley Museum. The camps take place over six weeks throughout the summer and are the perfect blend of history with hands-on STEAM activities to ensure campers have a great time and learn something! All camps include a behind-the-scenes tour of the museum and a trolley ride.

The Pennsylvania Trolley Museum hosts events throughout the year to keep families entertained.

Keep an eye out for holiday-focused events throughout the year. Bring your basket to the Pennsylvania Trolley Museum

in March for the Bunny Trolley. Pick a pumpkin and enjoy fall activities during the October Pumpkin Trolley. And, of course, sing holiday carols during the Santa Trolley in December.

These events are not just for kids! This May, the Pennsylvania Trolley Museum will host its first-ever Street Fair on Volunteer Boulevard, the 1930s-themed brick street between the Welcome and Education Center and the Display Building. The Street Fair will take place on May 18 and 19 with a 1920s carnival theme. Stop by to enjoy the street acts, food trucks, music and other activities.

The Anything on Wheels event, which will take place on June 8 and 9, is also a fan favorite. Come see dozens of antique and classic cars and other vehicles while enjoying great food, throwback music and a night photo session with the trolleys.

With so much to do at the Pennsylvania Trolley Museum, make sure this is a stop on your list in 2024. When you visit, remember that the new address is 1 Electric Way, Washington.

Premier Retail Support guides businesses to the right location

By Rick Shrum

of Dan O’Connell

Dan O’Connell said he saw it coming and warned the owners well in advance. A family, he recalled, opened a “mom and pop” shop several years ago with a plan to sell primarily bagels and doughnuts. They decided to locate along Banksville Road in Pittsburgh, near Dormont and Mt. Lebanon.

Banksville Road is a lengthy, busy artery rife with business opportunities, but it can present a glaring challenge for merchants, shoppers and diners. In some areas, it is a divided highway that is difficult to navigate by vehicle, with access frequently limited to traffic from one side.

Some drivers elect to “reach the other side” by inconveniently heading up the road, finding a place to turn around and pulling what amounts to a lengthy U-turn to reach their destination.

O’Connell looked at the site after the bagel/doughnut shop launched and thought the prospect of succeeding with such a business was full of holes. “They had a drive-through, and not one person was in the lot,” he said. “I told the daughter they’d be out of business in six months.”

That shop did run out of bread — the monetary kind — and closed. “Now there is a Dunkin across the street,” O’Connell said of a more accessible location, which appears to be popular.

Selecting the location of a wide roadway where a business could be more likely to succeed is one of many points of enlightenment, advice and guidance that Premier Retail Support offers to business owners and operators, according to O’Connell, vice president of site development on the East Coast.

“We built Premier Retail Support to educate all those expanding retailers, emerging brand franchisees and independent entrepreneurs regarding all of the pitfalls and expensive mistakes that established brands are aware of and share with their full in-house real estate departments,” O’Connell said in an introductory email to the Observer-Reporter.

“But what about all the little guys that may have taken a second mortgage in order to launch their dream? That’s where Premier Retail Support comes in.”

He clarified that his business (premierretailsupport. com) is not a commercial brokerage company and does not represent expanding retailers.

O’Connell, a longtime Upper St. Clair resident, works out of an office in The UPS store in South

Hills Village. He has three other partners, one in Monroeville and two in California.

“One of the most valuable things we provide,” he said, “is that we know real estate. We try to help people with what they didn’t know” on rules, leases and other costs that could prove to be prohibitive to businesses.

“These are the rules,” O’Connell said, “and no one shares the rules with the little guy. There are tens of thousands of people in America who get screwed a little. They don’t know all of these rules are out there.”

He said Premier Retail Support “supports all those entities that are about to sign a five or 10-year lease, many for the first time, to ensure they have the benefit of the knowledge needed to avoid those mistakes that could sabotage their business.

Sounding like the consummate real estate agent, O’Connell explained that “location, location, location” can be a vital element in launching and building a business. He listed six variables in this equation: the right square footage, the right demographics, the viability of people seeing your store, accessibility, sufficient parking and economics. “You have to build a deal,” he said.

Premier Retail Support helps to provide that impetus.

Photo Courtesy

Washington Financial Bank marks 125 years serving community

By Kristin Emery All photos courtesy of Washington Financial

Downtown Washington looked a lot different back in 1899. William McKinley was in the White House; the automobile had only been around for a few years and the Industrial Building & Loan Association of Washington opened its doors for business on South Main Street. Fast forward 125 years, and what later became Washington Financial Bank is still welcoming customers at 77 S. Main St., next door to where it was founded.

Stability is a hallmark of the bank which boasts only four presidents since 1967. Michael Chaido is the current President and CEO, succeeding Brian Smith, who passed away in November 2022. Chaido has spent his entire 28-year career at what is now the region’s 13th-largest bank with assets over $1.6 billion, headquartered in Washington County.

“I’m proud, and I’m happy to do it,” says Chaido of leading Washington Financial. “Obviously, this job is sometimes more challenging depending on the economy; this is one of those times with interest rates where they are. But overall, we’re doing exceptionally well. It’s fun to work with the team whenever things are going really well. I can’t remember the last time we had a down year.” To remind himself of that, Chaido keeps one of the bank’s old ledger books from the 1929 stock market crash in his office. “It shows that our deposits went up during that time,” he says with a chuckle. “It shows that when the whole world is burning down around us, some things are really temporary.”

South Main Street remained the bank’s only location until 1968, when the first branch opened at the brand-new Washington Mall. “That was our first one, and then we went pretty quickly after that,” Chaido says. “In the early 70s, we opened Canonsburg, then the Peters Township office. At this point, we have ten branch locations; I don’t see us expanding branches because that’s not the typical way people do their banking today.” With an older demographic across much of Southwestern Pennsylvania, keeping branches open is important, but so is expanding technology for younger customers. That led to a three-year plan to upgrade all technologies and capabilities to ensure that the Bank remains competitive and at the forefront in digital banking. These upgrades commenced at the beginning of the year and Washington Financial customers can expect to see continued enhancements throughout 2024.

As for the flurry of bank mergers and consolidations nationwide in recent years, Chaido says that’s not a concern. “We’re a state chartered mutual. With no shareholders or stockholders, no one can come in and buy us,” he explains. “We’re incredibly profitable and growing at a good clip. Our employees, our board and our customers are happy.” That must be true because many of the company’s nearly 180 employees have been there for decades, including Chaido. “Our average employee, they never work anywhere else,” he says proudly. “We’re typically the last place that people work, and that’s good. I like the fact that when people retire, they still come back in a part-time capacity.”

As for how Washington Financial will celebrate 125 years, Chaido says “we’re going to celebrate the fact that there’s longevity here both in terms of our customer base and our employees. We’re proud of who we are and look to the future with great optimism.”

Michael Chaido

A new partner for an essential healthcare system

Washington Health System has proudly served Southwestern Pennsylvania for 127 years with a mission of providing Great Patient Care close to home.

What began as a singular entity in 1897 to provide healthcare services and medical training has grown into a system of more than 40 locations spanning multiple counties and employing 2,700 people across the region.

The impact of WHS on the communities it surrounds and serves cannot be overstated. Its outsized positive economic effects are tangible in the statistics. According to the Hospital and Healthsystem Association of Pennsylvania, Washington Health System brought $270 million of direct benefit to the state’s economy in 2022.

These hard dollars permeate the fabric of the communities that interact with the Washington Health System. Exceptional healthcare draws new talent and helps generate and sustain vibrant and economically active communities. The trickle-down financial effects of WHS in 2022 were estimated to total a staggering $256 million. That renders the total economic benefit of the system — that year — to well over $500 million.

However, while WHS remains Washington County’s largest employer and continues to focus on how it can better meet the needs of local residents, the system has not been immune from the challenges many providers — particularly in rural communities — have faced in the post-pandemic landscape.

Approximately 27% of Pennsylvania’s rural hospitals are at risk of closing due to growing financial pressures, according to the Pittsburgh-based Center for Healthcare Quality and Payment Reform. Following years of budget issues — confounded by declining patient volumes, increased overhead costs and reduced government reimbursement –—WHS, together with the board of directors, decided it was time to make a change.

The board’s goal was simple and clear: make WHS can continue to serve local communities with the best healthcare and to be a rewarding and secure home for employees, both current and future.

Having received multiple bids from providers across the region and assessing potential partners on detailed criteria, the board made a unanimous decision: UPMC would be WHS’ partner of choice in the future.

Affiliating with UPMC advances the shared goal of delivering the highest quality of healthcare to the patients WHS serves. This affiliation will ensure local access to care and maintain current services.

Plus, WHS and UPMC have partnered on services like cancer care, neonatal services, Children’s Express Care and more, for over a decade. They have cared for over 10,000 patients annually through these partnerships and joint ventures.

The affiliation will also be good for employees, sustaining current jobs while offering world-class benefits to attract new talent and opportunities. And it will be good for communities, ensuring that WHS can continue to provide long-term exceptional care today and well into the future. The upshot of all this? Partnering with UPMC will ensure WHS can maintain its integral economic function within Southwestern Pennsylvania.

As part of the affiliation agreement, UPMC has not only committed to operate The Washington Hospital as an acute care general hospital and maintain core services such as emergency care, diagnostic, ambulatory, and primary care in Greene County for at least 10 years, it has also promised to invest a minimum of $300 million in capital in the local healthcare system during that period. WHS has already built a great foundation for quality healthcare over the years, and this partnership will only strengthen it.

While the regulatory approval process of the affiliation is still ongoing, WHS is hopeful for it to be completed as soon as possible. Time is of the essence — as each month goes by without the affiliation, the current WHS system is placed in further financial strain. The communities touched by WHS cannot afford to lose this financial pillar.

“Our affiliation with UPMC will ensure that when you — our patients and community partners — need us, we’ll be there for you. Just as we are now,” Brook Ward, President and CEO of Washington Health System.

“We’re taking action to keep that mission, now and for many years to come.”

‘Happy 100th anniversary to our grand Association’ First Federal of Greene County celebrates milestone year

During its annual meeting of members Jan. 24, First Federal Savings and Loan Association of Greene County officially kicked off a year of celebration as the Association marks its 100th anniversary.

Founded in March 1924 in Carmichaels as the Home Building and Loan Association of Greene County, the bank has remained a constant in Southwestern Pennsylvania against an ever-changing and evolving landscape.

“We wish our grand and special Association a ‘Happy 100th anniversary,’” said Charles W. Trump, Jr., President/CEO of First Federal of Greene County. “It is very special and meaningful to reflect on the individuals who sparked the First Federal of Greene County fire in March of 1924, remembering and cherishing the countless men and women that kept that fire burning in the last 10 decades, and celebrating the current team that continues to guide the mission and ensure the Association’s success for the next 100 years.”

As a way to pay tribute to the Association’s past, during the annual meeting dinner held at the Century Inn in Scenery Hill, guests enjoyed a replica of the cake made for the Association’s 25th anniversary in 1949. Lindsey Parks, owner of Canonsburg Cake Company, created a smaller-scale cake based on the original, which was made by Hoge’s Bakery and weighed 530 pounds. Parks is the great-granddaughter of Charles Phillips, one of the bakers and decorators on the Hoge’s team in 1949.

Financial highlights from 2023 included $1.027 billion in assets, $876 million in deposits, and $666 million in the Association’s mortgage portfolio. Although mortgage rates continued to be higher than in recent years, mortgage volume was favorable, and the year-end mortgage effective yield stood at 3.759 percent.

In response to higher loan rates and customer uncertainty after several large bank failures made headlines early in 2023, the Association offered more competitive and higher rates of return on various deposit products. Employees also engaged in numerous conversations with customers reassuring them of First Federal of Greene County’s solid financial footing.

“Unlike the failed institutions, our lending strategy, business plan and risk appetite are tempered and mitigated, and just as important, a large percentage of our funds on deposit are federally insured,” Trump wrote in his annual President’s Report. “Our team confirmed and demonstrated that our Association is well-positioned, financially sound and operating with the utmost of integrity, with the safety and protection of our customers being the priority.”

Customer safety is also at the forefront of the Association’s continued technological investments and improvements, from new products to modernizations of existing technology.

“The Association’s IT capabilities will continue to mature and keep pace with an ever-changing cyber and information technology landscape,” Trump noted. “The Board of Directors has demonstrated complete support in their backing of investments in technology, and stands committed to the investment and tools necessary in the future, ensuring safety for our customers and success for the Association.”

Looking back at the past year, two big changes for the Association that took place in 2023 were the opening of a new First Greene Mortgage office in Bridgeport, W.Va., and the retirement from the Board of Directors of Chairman John E. Mariner, also a past President/CEO. The Board named Mariner a Director Emeritus and elected former President/CEO Judi Goodwin Tanner Chairwoman of the Board.

“One would be hard-pressed to find better examples than these two leaders, in exemplifying dedication, commitment and fortitude in their respective service to First Federal of Greene County,” Trump wrote. “Leadership is crucial for any organization, if it is to grow and succeed. John and Judi have added power to, and confidence in, our Association’s longstanding mantra, ‘The people you know, the people you can trust.’”

Along with Trump and Tanner, the Board of Directors includes Gregory A. Parsons, Jay S. Hammers, Murray W. Hoy, Stephen M. Neubauer, Douglas A. Wilson and Michael C. Baily. Hoy,

Trump and Wilson were re-elected to 3-year terms on the Board. Mariner and Henry T. Cochran serve as Directors Emeritus.

Also during the Association’s annual meeting, the Board of Directors approved the corporate officer title change of Terry L. Clutter to Vice President/Treasurer/Assistant Secretary. Trump was re-elected President/ CEO, and the following Association officers were once again elected: Chad M. Moore, Executive Vice President; Jeffrey B. Widdup, Vice President; Courtney A. Schroyer, Vice President/Chief Financial Officer; Kathleen M. Toth, Vice President/Secretary; Sarah A. Westfall, Assistant Vice President; Danielle R. Tobusto, Assistant Vice President; Aimee D. Toothman, Assistant Vice President; and Brian E. Moody, Assistant Treasurer.

As part of the annual meeting, Trump also announced several employee promotions: Caitlin E. Brooks to Controller; Cody L. Byers to Human Resources Manager; and Elizabeth J. Menhart to Marketing and Public Relations Manager.

In closing, Trump credited the Board of Directors for their crucial support and oversight; the Officers for their day-to-day leadership and stewardship; and the employees for their special contributions.

“Our employees are the faces and voices of First Federal of Greene County,” Trump said. “We truly have one of the best teams and some of the most special and thoughtful people, in a workplace, that I have ever witnessed.

“A quote that came to me recently is, ‘Helping each other where we can, how we can – that’s what community is all about,’” Trump continued. “Our employees strive to help where they can, how they can, each and every day. We will count on their energy and passion, while serving our customers, as we launch into our next ‘Century of Service!’”

Since 1924, First Federal Savings and Loan Association of Greene County has served the residents of Southwestern Pennsylvania through a combination of traditional deposit and loan products and evolving technological convenience. From checking and savings accounts to mortgage and home equity loans, from online bill pay to mobile banking, First Federal of Greene County offers a variety of services to its customers, all while remaining committed to being “The People You Know, The People You Can Trust.” Based in Waynesburg, Pa., First Federal of Greene County maintains eight offices in Greene, Fayette and Washington counties in Pennsylvania, and two First Greene Mortgage subsidiary offices in Morgantown and Bridgeport, W.Va. For more information, visit www.ffgc.bank.

Left: During the annual meeting dinner at the Century Inn, guests enjoyed a replica of the cake made for the Association’s 25th anniversary in 1949. Lindsey Parks, owner of Canonsburg Cake Company, created a smaller-scale cake based on the original, which was made by Hoge’s Bakery and weighed 530 pounds. Parks is the great-granddaughter of Charles Phillips, one of the bakers and decorators on the Hoge’s team in 1949.

Right: Pictured with the special cake, from left to right, are Directors Steve Neubauer, Murray Hoy and Doug Wilson; President/CEO and Director Charles W. Trump, Jr.; Lindsey Parks, owner of Canonsburg Cake Company; Chairwoman of the Board Judi Goodwin Tanner; and Directors Greg Parsons, Jay Hammers and Mike Baily.

Spring forward to Home Construction Season with First Federal of Greene County!

Our variety of construction and improvement loans puts you in charge of your Dream Home project. We offer: • Construction Loans • Owner-Builder Loans • Home Improvement Loans (FHA Title I) • Home Equity Loans

With offices in Greene, Washington and Fayette counties, your loan stays here. Visit with one of our Loan Officers, or apply anytime online!

HEARING HEALTH... WHY DOES IT MATTER?

Debra Swift and her team at Swift Audiology have been providing the people of Pittsburgh with premier hearing care services since 1987. Her personal and business mission of helping people with hearing loss has not changed, and over the years, the hearing care practice has grown to three locations: Washington, PA, South Hills and North Hills. The diverse staff includes doctors of audiology, board-certified hearing instrument specialists and support staff.

Cognitive decline is one of the most pervasive diseases associated with aging. Research increasingly demonstrates a correlation between hearing loss and cognitive decline. In fact, hearing loss is the number one modifiable risk factor for dementia, and treating hearing loss with hearing aids is the best thing you can do to preserve your cognitive health.

“Our comprehensive hearing evaluation includes a full hearing test that will identify the degree and type of hearing loss you have,” notes Swift. This information will help determine if you could benefit from hearing aids. To further support optimal brain health, the practice offers an optional cognition screening by Cognivue. This five-minute test in our office evaluates brain health in memory, visuospatial, executive function, reaction time and speed processing.

What distinguishes Swift Audiology for our patients are the dedicated staff members that work directly with them to make them feel heard and cared for. “Our patients experience a family-like atmosphere with state-of-the-art technology and the best option to meet their hearing needs,” explains Swift. “We understand that in today’s market — and more than ever before — individuals are flooded with options for amazing technology to help improve the quality of their life. The choice is in the patient’s hands — we help educate our patients on the options by considering their needs, lifestyle, budget and hearing profile.” Through Swift Audiology’s hearing aid test drive

program, patients can test drive their hear-ing ads in real-time and in real life. “You wouldn’t buy a car without a test drive, so why would you buy a hearing aid without one?” asks Swift.

Debra Swift and her team take pride and care in treating everyone like family. Because once you become involved with the Swift Audiology practice, you become a member of our Swift Audiology family, and that makes all the difference. How rewarding for our patients, their families, and team Swift to know we’ve helped improve someone’s quality of life. To learn more visit swiftaudiology.com and join us on Facebook at facebook.com/swiftaudiology.

Community Bank Leading with People and Technology

How 123-year-old Community Bank is leaning into new FinTech and interaction-driven process improvement to effect a transformative expansion that is positioning it to compete head-on with the region’s traditionally big banks

Deep in the hills of Southwestern Pennsylvania, in a rural Greene County coal community with fewer than 500 residents, 1901 marked the launch of a small community bank called the First National Bank of Carmichaels.

It would take 86 more years for the Bank to begin its official expansion into Washington County and change its name to Community Bank. And still longer to acquire another bank that would allow it to become publicly traded (NASDAQ: CBFV), with office branches throughout Greene and Washington counties, as well as in West Virginia’s western panhandle, and expanded financial service offerings. But that was then. Today, only three years into an ambitious 10year strategic growth plan, Community Bank continues to serve its traditional markets while expanding rapidly with a new commercial lending division, a dedicated Small Business Team, a Treasury Management Team, specialized financial services for the health care industry, a locally based call center, and a series of financial technology investments aimed at elevating the Bank’s client interactions and cybersecurity.

“Our focus today remains firmly on innovation and excellence,” said John H. Montgomery, President and CEO of Community Bank for the past three years and author of the Bank’s latest transformative strategic plan. “We are continuously exploring new ways to enhance our client’s banking experience, whether it’s through financial solutions or innovative digital tools that empower them to achieve their goals.”

The planning efforts are paying off already, according to the latest reported year-end financial results. The Bank’s holding company, CB Financial Services, Inc., reported adjusted net income (Non -GAAP) of $12.6 million for the year ended 12/31/23 versus $11.2 million for the previous year. Adjusted earnings per common share – diluted (Non-GAAP), meanwhile ended 2023 at $2.46 per share, up from $2.14 per share in 2022.

Total assets rose to $1.46 billion in 2023, up from $1.41 billion in 2022. Excluding the $34.9 million decrease in indirect automobile loans, a product the Bank discontinued in 2023, total loans increased $95.4 million in 2023, up 9.1% and included an increase of $41.2 million – or 58.9 percent –in commercial and industrial loans.

Shoring up its legacy

“We are a true community bank that is heavily invested in our communities, and we tend to have a long tenure with our clients,” Montgomery said. “But the banking and finance industries have changed as client expectations have evolved. We needed to change with it if we were going to continue being the bank of choice for our clients.”

The Bank’s strategic growth plan has upgraded the technologies supporting the Bank’s

services and back-office processing functions, significantly improving client service.

“We had to do some rationalization and consolidation along the way, but we stayed committed to our communities and clients and kept our grand vision focused at a very local level,” Montgomery said of the strategic plan and its ongoing implementation.

At the same time, he said, the Bank’s leaders worked hard to preserve the Bank’s legacy identity. That is, to remain people-centric, “still focusing on clients and employees,” and values-driven, which means embracing an agile work environment and “leaning into” new technologies and processes.

The goal, Montgomery said: “Making it simple and easy for our clients to bank with us.”

The value of human interaction

Among the Bank’s investments is the establishment of a large –and local – virtual banking and call center located in Waynesburg, Pa., that provides real time service to clients through the Interactive Teller Machine (ITM) network. The new ITMs are replacing the older ATMs and have increased functionality via self-service methods and provide complete full-service options via touch screen, connecting clients with a Virtual Teller to completely handle their transactions.

“We now are transacting faster, more efficiently, and less expensively, even as we’re engaging more with our clients,” he said.

“Transactions, though, aren’t where the value is anymore. It comes down to the people. The value is in the human interaction. That’s a differentiator for us in the market.”

In fact, Community Bank is in the middle of a building project for a new, “state-of-the-art” banking facility in Rostraver Township and has been updating other branches across the network, to encourage interactions that add true value to its clients.

Other recent technology investments include an upgraded mobile banking app, back-end transaction processing systems, a new loan origination system, and even a new “.bank” Web domain (www.cb.bank) with builtin safeguards developed specifically for the banking industry and its clients.

Moreover, Montgomery said, all transactional data now is processed in near real time and securely stored in cloud servers with backup redundancy.

Said Montgomery: “We want to be an innovative institution that makes it simple and easy for our clients to do business with us.”

“Community Bank has helped our business grow. Community Bank is a true partner that understands our business needs. Their customer service has exceeded our expectations.” - Jay Riley, Owner of Riley Petroleum Products

Meet the new Leadership Washington County Executive Director, Trish Romano

By Natalie Gloady

From the time she was a little girl, Trish Romano knew she wanted to help people. Growing up in central Pennsylvania, on 14 acres near a small town, she knew the impact a small-town community could have on the people and the surrounding business community.

With this passion ingrained in her heart by her parents, she sought a career where she could make an impact. After earning her master’s degree in organizational leadership, she launched herself into a 20-plus-year career in the nonprofit sector.

A graduate of Indiana University of Pennsylvania and Geneva College, Romano has worked alongside nonprofits fighting for various causes such as domestic violence and child abuse awareness, mental health, food insecurity, empowerment services and direct services. During the COVID pandemic, she was instrumental in developing and implementing the COVID-19 hotel, funded through Allegheny County. Her true passion is to fulfill the community’s needs, and now she is doing so by building leaders who create impact within our communities. She plans to bring the skills and programming she learned from these other organizations to LWC, also known as Leadership Washington County.

“I loved all of the direct service work I accomplished in my career, but I felt it was time to make a change,” said Romano. “I wanted to do something that was focused on building people.”

LWC is a nonprofit dedicated to nurturing and fostering current and future leaders who immediately impact the Southwestern Pennsylvania region. Their programs provide current and emerging leaders the tools and resources to grow professionally and positively impact their workplaces and the communities they serve. This includes their nine-month Signature Program, single-day lunch sessions called Master Classes, and an Emerging Leader program.

As the new executive director of LWC, Romano plans to immediately help grow the program’s overall brand recognition, engage more of the community with its educational programs, implement more alumni connection opportunities and build overall relationships with new and existing business and nonprofit partners — especially those outside of Washington County.

“We started our program almost 25 years ago in Washington County; however, you do not have to live or work in Washington County to participate,” said Romano. The majority of the content is not county-specific, and those living in other areas of Southwestern Pennsylvania will benefit just as much as our local residents.”

Romano excels in leadership development, fiscal management, budget creation and oversight, strategic planning and implementation, programmatic planning, operational oversight, as well as staff recruitment and retention while fostering inclusion. She is excited to bring these skills to her new role and the community.

“The advantage of my new role with LWC is that I’m working with motivated individuals who will be inspired to make an impact on the communities and individuals that I once served in

Trish Romano

my previous positions. Inspiring these leaders to get involved in local nonprofits or to make an impact in an area they are passionate about will make this world a better place.”

In addition to being passionate about the nonprofit growth of the community, Romano, a mother of two, is dedicated to finding opportunities to pass the desire to help others to her children.

“I always tell my boys, as well as myself, that we want to leave the world a better place than we found it,” said Romano. “I want them to leave someone with a better vibe than whenever they first met.”

Romano looks forward to growing LWC and working alongside the board, alumni, and the local business community to enhance the program and make it something that leaves a lasting impact and legacy.

“There is a very big difference between attending something and feeling a part of something. I want people to feel that they have a role in our community.”

For more information on the LWC Leadership Program, visit palwc.org.

South Hills Auto: 50 Years of Driving Community Forward

50 years ago, Peters Township was mostly farms, Nixon was in the White House and gas was only 53 cents a gallon. So, in 1974, when Paul Groff was presented with the opportunity to open a new car dealership on Route 19 in Peters Township, on the verge of a residential boom, he jumped on it.

Thus began the five-decade history of a company that started as South Hills Chrysler Plymouth. A native of Croatia, Groff built his business by focusing on taking care of people. To him that meant his family, his staff, his customers and his community. He was heard many times quizzing people on “What’s the most valuable thing in a dealership?” The only correct answer was, “The people.”

Through manufacturer and economic challenges, South Hills Chrysler Plymouth weathered the storm. The business expanded into other locations, brand offerings and communities. Today, South Hills Auto is comprised of two Peters Township locations. The original location added Jeep in 1999 then Dodge and RAM Trucks in 2014 to become South Hills Chrysler Dodge Jeep RAM. South Hills KIA, the franchise acquired in 2002, became a standalone dealership in 2014 and is only one mile south of the original facility.

Keeping a business running for a half of a century is no easy task and the automotive industry has undergone significant changes since 53 cent gas and boat-sized sedans. Embracing change has meant understanding changing consumer needs. Customers no longer want a formal process and hours-long negotiations. They want a friendly face they recognize and someone they trust to be sure their SUV can get the family to school safely.

“I want our customers to feel comfortable and welcomed … that they aren’t just a number to a large corporation. I want them to feel that we know them at a personal level. Many of our customers are as multi-generational as we are. We are now selling to the kids and grandkids of our original customers!” remarked Larry Winter, dealer/president.

Navigating change has also meant embracing new technologies. From online shopping to technology-heavy cars, to the emergence of electric and hybrid vehicles — this is one industry where change happens fast.

Today, servicing our modern vehicles is more akin to computer programing than turning a wrench. To keep up, South Hills has expanded their service departments, offering cutting-edge technology and more certified technicians to cater to the needs of modern vehicles.

Another area of change has been the employee culture. The automotive business used to be known for long hours and cutthroat tactics. Working to create a workplace that offers better work-life balance has allowed South Hills to retain employees and improve overall productivity and morale. South Hills Auto currently employs approximately 100 people.

Celebrating its 50th anniversary, South Hills Auto remains a family owned and operated business. Paul Groff passed away in 2020 after a long battle with cancer, and the business is currently owned by Larry and his wife Christina (daughter of

original owner Paul Groff). Their son, Bill Winter, is the general manager for both locations and many other family members are involved as full or part-time employees.

To the family at South Hills Auto, success goes beyond selling cars. Giving back to the community is a core belief of who they are and how they operate. “Supporting the causes important to us is just another way we take care of our neighbors” says Larry Winter. Recently, they’ve supported Washington City Mission, area food pantries, annual toy drives and local literacy initiatives.

Their commitment to giving back has fostered a sense of trust and loyalty that transcends the typical customer-dealer relationship. When you walk in, you really do feel like part of the family.

“Three generations” is a special designation for a family-owned business. Bill Winter feels that “… legacy is an important feature of any business. I see my job as carrying forward my grandfather’s and my father’s ideals and values while adding my own imprint to the businesses. Who knows, maybe we’ll see a fourth generation adopt this legacy!”

The story of South Hills Auto is more than just a chronicle of a successful dealership. It’s a testament to the power of community, the importance of customer service and the unwavering passion for taking care of people — both your community and your staff.

Learn more about South Hills Auto at southhillsauto.com

HOW TO CHOOSE A MODULAR OR MOBILE HOME

Modular homes have experienced growth in popularity over the recent years. Others look to modular homes for savings or for a second home.

Modular homes are built to residential standards in a factory, then delivered and assembled at the construction site. The time savings and the efficiencies of producing most of the structure in a modern factory also make modular homes a great value. Follow these tips to help you find a modular home that will fit all of your needs.

The dealer

Your first step is finding a qualified, licensed dealer who works with modular home manufacturers. Route 21 Homes has been doing it for 45 years in Pennsylvania and West Virginia, with two locations in Carmichaels and Donegal.

Route 21 Homes can handle all aspects of construction on your new home. They will make certain that the design meets your specifications and budget.

Route 21 Homes will oversee all aspects of construction of your new home, including but not limited to:

* Working with home owner in obtaining all necessary permits

* Concrete – Foundation drawings

* Plumbing

* HVAC

* Electrical

* Carpentry work on site

* Project manager to oversee your project

In addition, Route 21 Homes can assist with finding the perfect match for your individual lending needs. We have partnered with multiple local lenders, providing our customers with both options for financing and great rates. However, if you prefer, you are always welcome to bring your own lender to the table.

The manufacturer

Each manufacturer has different options. There are sizes, floorplans and architectural designs to consider. Maybe you would prefer a ranch, two-story, cape cod or a chalet-style structure. You can customize the look to meet your lifestyle and budget.

Modular homes are manufactured using innovative technologies in a controlled environment. The result is a more precisely-built home. Variations in weather during construction will not affect the home. Manufacturers purchase massive quantities of materials for their factories, so they pass their cost savings on to you.

Under normal circumstances, production time at the factory is approximately two to three months. The structure will be delivered to your job site and placed onto the foundation. After that, the final process of construction usually takes 12 weeks depending on the home and job site.

Come visit Route 21 Homes at one of their two locations, Carmichaels and Donegal, to tour over $2,000,000 of model homes. While your touring, make sure to take note of the many options and features available to you, turning you house into your family home.

Route 21 homes is proud to be the largest Pennwest Homes builder in the Northeast as well as being named the 2023 Best of the Best in Home Construction. Taking pride in making customers dreams a reality is job number one at Route 21 Homes!

Don’t wait to start investing, regardless of economy What you need to know about economic trends and financial planning

By Jill Thurston

Where can you get answers to your questions about the economy and about your financial health?

Jeffrey Fine, president and founder of AccountMaster, Inc. and investor advisor representative with Money Concepts Capital Corp., uses his 25 years of experience to help his clients become and stay financially healthy.

Interest rates, inflation, investing, retirement … the economy can be difficult to navigate.

Did our economy suffer a recession? Are we about to enter a recession?

Economists have been debating this for the last two years, said Fine.

“The economists in this country have been calling for a recession for the past couple of years. We might have been in one two summers ago. The jury is still out on that,” he said.

Two consecutive quarters of negative gross domestic product define a recession. “But not all of the indicators for a recession were in play, so if we were in a recession, it was very short-lived and mild. And economists are still calling for another short-lived, mild recession,” he said. “I always tell my clients, eventually they are going to be right. It’s just a matter of when.”

His point regarding the economy is, “You can’t wait to see if they are right. You have to take action now, regardless of what people are indicating for the future. If you wait to have clear sailing and all of the economists agree there are not going to be any problems, you are never going to be an investor.”

Fine is a graduate of the Washington School District and Washington & Jefferson College. He founded his tax accounting firm, AccountMasters, in 2001 and received his investment license in October 2002. “I quickly learned that investing dovetails nicely with the tax preparation I do,” he said. AccountMasters Inc. and Money Concepts are not affiliated, besides Fine being a principal for both, which allows him to help his tax preparation clients with their investment strategies. Money Concepts is an international broker-dealer firm. He serves as a regional director with Money Concepts in addition to being an investor advisor representative.

Sixty percent of his financial planning clients are also his tax preparation clients. The rest of his client base has found him through word-of-mouth or referrals from existing clients.

No matter your age, Fine believes it is never too early or late to begin investing. More importantly than what economists say about the market, he focuses on two overriding factors: a person’s risk tolerance and their time horizon. “These will have a lot to do with forming a client’s investment strategy, and every client is different,” he said.

Economic events over the last several years emphasize the need to be as financially healthy as possible, believes Fine. He offers his insights into some market trends:

He said the housing market, including the mortgage industry, is adapting to a new paradigm. Right now, it’s a tough market for first-time home buyers. “We’ve lived through this before. I bought my first house in the early 1980s, and the mortgage rates were 12 percent. The housing market was much cheaper then.” As mortgage interest rates came down, he could refinance the house several times to achieve an interest rate of about four percent.

“During the pandemic, the housing market became inflated very quickly. People were buying houses ‘sight unseen’ just by viewing them online. And there were bidding wars on homes. Mortgage interest rates were below three percent. Now that mortgage interest rates are five and six percent, the home needs to devalue a little to be bought at that rate,” he said.

“We are in a bit of a bubble, and it’s very difficult right now to afford a new home. But I think sometime through this year, if the federal reserve starts to lower interest rates, the mortgage industry will also lower interest rates, and that should make it a little better for first-time home buyers.”

And he’s hoping to see the inflation rate decrease throughout this year as well. “Inflation is slowly falling, but the consumer is still suffering from higher than average cost for everyday household needs,” he said.

Advice from qualified professionals can provide peace of mind through each season of life and economic events. Fine and AccountMasters provide income tax preparation, payroll services, booking keeping and business consulting. Fine offers financial planning through Money Concepts, Inc.

Founder

New back pain treatment makes its way to the South Hills

Certain back conditions just do not go away on their own. They can become chronic issues that are very painful in the back, leg or arms. About 80% of people will get back pain at some point of their lives and roughly 50% of those issues will be caused by any of the following: disc herniation, disc bulge, spinal stenosis or degenerative disc disease. With surgical outcomes being around a 50% success rate, and injections only helping for a short amount of time or not at all, there had to be a better solution. That is what Dr. Brian Meenan, a chiropractor in Mt. Lebanon and McMurray sought out to find. After being a chiropractor for several years, he found there was a subset of the population with these issues that would linger and there was nowhere for them to go. After a lot of research and planning, he decided to add the FDA Cleared Accu-Spina Spinal Decompression Table with patented IDD Therapy to his practice. “I am always very cautious of new tools to add to my practice because a lot of companies promise their device helps, but their outcomes are not always the best. There are several studies out using this technology and the success rate is better than I would have imagined at 90% success.” Meenan says.

When Meenan was looking into all of this, he realized that no one on this side of Pittsburgh had this table and technology. He had talked to other people who were driving over an hour to get this type of treatment. That is why he decided to add it to his new McMurray practice.

Understanding non-invasive Spinal Decompression with Accu-Spina

The Accu-Spina is a cutting-edge technology that combines modern science with research backed principles. It works by gently stretching the spine, creating negative pressure within the affected discs. This negative pressure helps rehydrate the discs, relieving pressure on nerves and surrounding structures. Meenan says “It is a very comfortable treatment that is only about 25 minutes long. Most people find it relaxing because it is giving your spine what it needs, rehydration.”

The Accu-Spina treatment process

When you visit Premier Chiropractic Clinic for non-invasive spinal decompression with the Accu-Spina Table, the skilled chiropractors will conduct a thorough assessment of your spinal condition and medical history. This will include a neurological evaluation, orthopaedic evaluation and review of any MRIs or X-rays that the patient may already have. “If the patient is a good candidate and we think they will benefit from the treatment, we

can start the treatment as soon as the patient wants to.” says Meenan. “This is a good time where we can also just educate the patient on their condition. We are finding that not many people know much about their condition and why it is causing some much pain and discomfort.”

Depending on the severity of your condition, the doctors will recommend a personalized treatment plan, usually consisting of sessions over several weeks. Throughout the process, they will closely monitor your progress and make necessary adjustments to ensure the best possible outcome.

If you are interested in getting back or neck relief and you want to find out if you’d be a good candidate, schedule your consultation by visiting premierchiroclinic.com/ spinal-decompression or call 724-364-4143. Consultations are currently free but that may change in the future.

Premier Chiropractic Clinic is currently the only office in the South Hills of Pittsburgh to offer this.

This relaxing, painless treatment:

• Helps get to the root problem by re-hydrating the disc

• -Involves no surgeries, drugs or shots

• Has a 90% success rate as an alternative to spine surgery

• Is cleared by the FDA

Schedule your FREE XRAY and MRI REVIEW to see if you would be a good fit for this treatment.

Assorted • Hand Dipped Chocolates

Mix or Match • 1/4 to 5lb. Boxes

Assorted • Hand Dipped Chocolates

Decorated Eggs with Cream Filled Centers

Mix or Match • 1/4 to 5lb. Boxes

Chocolate Bunnies • Novelties

Decorated Eggs with Cream Filled Centers

Frozen Worlds • Frozen Bananas

Paradise Candy: A century of sweetness in Washington

By Maddie Vranish

Paradise Candy has been a beloved fixture in Washington for over a century, delighting locals and visitors alike with its sweet offerings. Established 104 years ago, this confectionery gem has stood the test of time, earning a reputation for quality and charm.

“We are just trying to keep our head above chocolate,” says the owner, Anna Berg, reflecting on Paradise Candy’s sweet journey through the decades. Despite the changing times, their commitment to crafting delectable treats remains unwavering.

Please Order Early!

Chocolate Bunnies • Novelties

Frozen Worlds • Frozen Bananas

Please Order Early!

1295 Donnan Avenue, Washington, PA • 724-228-7749

how do i...

Step through the doors of Paradise Candy, and you’ll find yourself immersed in a world of color and indulgence. From classic favorites like hand-dipped chocolates and creamy fudge to artisanal delights such as gourmet caramel apples and intricately decorated candies, there’s something to satisfy every craving.

In recent years, Paradise Candy has evolved with the everchanging times, expanding its repertoire to include various new products, including gluten-free chocolate. “We’ve been adding more products to keep up with what people like and accommodate people who want to enjoy chocolate but just have to differently,” explains Berg.

But amidst these changes, one thing remains constant: the warm and welcoming atmosphere that greets every customer who steps through the door. Whether you’re searching for a classic favorite or a modern indulgence, Paradise Candy invites you to experience the timeless joy of their sweet delights.

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SLOVENIAN SAVINGS AND LOAN ASSOCIATION TRADITIONAL VALUES, PERSONAL SERVICE

Slovenian Savings and Loan Association of Canonsburg was initially started in 1925 to provide loans to Slovenian immigrants whom couldn’t obtain loans through traditional banks.

Slovenian Savings and Loan Association holds a Savings Bank charter and is open to all residents of Washington County for all banking needs at its current location on Boone Avenue in Strabane.

All of our services are maintained with limited costs, whether it’s checking, savings, money orders, internet banking, etc.

Our staff is trained that personal service for all banking needs is a great benefit and fosters greater personal relationships.

For close to 100 years the institution has maintained a strong balance sheet and superior earnings. The FDIC has classified the bank as “Well Capitalized”, exceeding all the stringent capital requirements.

Conservatively managed, the safety and soundness of the institution is prioritized. Thanks to you, our customers, for our continued success.

Very truly yours,

Bruce R. Kurtz Chairman/President

CHAMBER SPOTLIGHT:

PETERS TOWNSHIP CHAMBER OF COMMERCE

Editor’s note: This is part of a series from area chambers of commerce to provide these vital organizations a space to showcase their efforts and members.

What started in 1954 as the Peters Township Chamber of Commerce has evolved into the PT Chamber, now serving all of the South Hills and upper Washington County. The PT Chamber is a nonprofit, membership-based organization with a mission to grow businesses and serve local communities through connections, opportunities, partnerships and resources. The PT Chamber is undergoing an exciting transformation, with a new website, name, logo, branding, office staff and a newly remodeled office. Amy Petro has taken over the executive director position, Kristen Bondi is the new director of events and marketing and Kelly Caldwell is the executive administrator. The team is excited to move the chamber forward with a fresh perspective, exciting ideas and a renewed focus on the members.

Three pillars — engage, support and develop — emerged from recent strategic planning efforts by the board of directors to bring the chamber vision back to the members. Mark Duane said, “As chairman of the board, I am most excited to see the transformation of the chamber this year … there is just a ton of fresh energy in the air. With the increase in staff, we now have the capacity to offer new programs and events that focus on the needs of small businesses and provide great value to each of its members. We are going to be very different than in the past. We are no longer a static organization; we will be more creative, energetic and connected than ever. We are now offering new programs, events, and networking opportunities that will ‘engage, support and develop” our members!”

Looking forward: The year of engagement and excitement

The PT Chamber is reinventing the term “networking.” It will mean more exciting events at exciting venues: events like speed networking, clay shoot, bourbon night and Savory Smackdown, an appetizers and signature cocktails competition hosted at Giant Oaks Winery and presented by Private Chef Frank. They have morning meetups, power lunches, and “It’s 5 o’clock Somewhere” After Hours to meet the needs of different daily schedules. The chamber is also bringing back its Chamber Chase 5K Run/Walk and Golf and planning future events like a poker tournament, a night at the races and a cookoff.

Looking forward: The year of support

The PT Chamber supports its members in every way possible — through one-on-one consults, cultivating connections and part-

nerships, advocating, and providing opportunities and valuable resources. The chamber features a member nonprofit group at events to spread awareness and bring resources together. The organization also gives a scholarship to a high school senior to help support youth.

Looking forward: The year of development

The PT Chamber provides educational programming through seminars such as marketing workshops, small business roundtables, inclusivity panel discussions, resource panels and internship workshops to help business owners and employees further their skills.

With over 400 members to serve, there’s always something exciting happening! To join in on the excitement and become a part of the PT Chamber, go to peterstownshipchamber.com. To connect directly with Executive Director Amy Petro, email her at amy@ptcoc.org or call 724-941-6345.

By Executive Director Amy Petro

Photos courtesy of PT Chamber

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