

ASSOCIATES
Agility Recovery
Solutions
bmc (Beard Miller Company LLP)
Bank Financial Services Group,
Inc.
Best Products Sales &
Services, Inc.
Clark Consulting
Crowe Horwath
Dannible & McKee. LLP
E-chx, Inc.
Federal Home Loan Bank of New
York
Federated Investors, Inc.
Fifth Third Processing
Solutions
Financial Services, Inc.
Finger Lakes Technologies Group,
Inc.
Fiserv
FTN Financial
Hinman, Howard & Kattell,
LLP
Hodgson, Russ LLP
Integrated Compliance Solutions
(ICS)
Jamesson Associates
Lighthouse IT Compliance Group
Lodestone Banking Consultancy, Inc.
MKA Executive & Professional
Benefits, Inc.
M&T Bank
New York Business Development Corp.
Northeast Investors Title Insurance Company
Profit Solutions Group
R.W. Larson
Architects
Riehlman, Shafer & Shafer
Roosevelt & Cross,
Inc.
Sandler O'Neill & Partners, L.P.
Agility
Recovery Solutions
Julie DenBeste
Account Executive
2101 Rexford Road, Suite 350 E
Charlotte, NC 28226
Phone: (716) 860-1208
Fax: (716) 773-6073
Website: www.agilityrecovery.com
E-mail:
julie.denbeste@agilityrecovery.com
Disaster Recovery Provider: Disaster Recovery Solutions Provider
Jean Riley
Vice President
21 Railroad Avenue, Bldg #1, Suite #2
Duxbury, MA 02332
Phone: (508) 630-1565
Fax: (781) 679-3136
Website: www.amalficonsulting.com
E-mail: jean.riley@amalficonsulting.com
Consultant
Eric Tesche
Managing Director
1605 N. Cedar Crest Blvd. Suite 508
Allentown, PA 18104
Phone: (866) 240-3898
Website: www.ambassadorpartners.com
E-mail: etesche@ambassadorpartners.com
Financial Services, Broker/Dealer
Atlantic
Central Bankers Bank
Jon Evans
President & CEO
1400 Market Street, PO Box 1109
Camp Hill, PA 17001
Phone: (717) 737-9335
Fax: (717) 737-1628
Website: www.atlanticcentral.com
E-mail: evans@atlanticcentral.com
Correspondent Banking
Atlantic
Central Bankers Bank
Brian Good
Correspndent Banking Officer
1400 Market Street, PO Box 1109
Camp Hill, PA 17001
Phone: (717) 737-9335
Fax: (717) 737-1628
Website:
www.atlanticcentral.com
E-mail: good@atlanticcentral.com
Paul L. Simoff
Principal
7205 West Central Avenue
Toledo, OH 43617
Phone: (419) 841-8521
Fax: (419) 841-8380
Website: www.austinassociates.com
E-mail: psimoff@austinassociates.com
Consultants: M & A, Planning, Asset/Liability, Risk Managment
Insurance/Financial Services
bmc (Beard Miller Company LLP)
Joseph LaClair, CPA
Partner
115 Solar Street
Syracuse, NY 13204
Phone: (315) 471-2777
Fax: (315) 471-2128
Website: www.bmcvision.com
E-mail: joe.laclair@bmc-llp.com
Accounting Firm
Paul Wholley
Vice President
5300 Riata Park Court, Bldg. 7
Austin, TX 78727
Phone: (866) 418-9590
Fax: (512) 349-4111
Website: www.bancvue.com
E-mail: paul.wholley@bancvue.com
Consulting/Product Development/Training
Bank
Financial Services Group, Inc.
Kevin Killian
Partner
731 Alexander Road, Suite 203
Princeton, NJ 08540
Phone: (609) 243-9395
Fax: (609) 243-8921
Website: www.bfsgroup.com
E-mail: kkillian@bfsgroup.com
Benefits/Retirement Plans/Compensation/BOLI
Best Products Sales & Services, Inc.
Chip Botjer
President
76 South Tyson Avenue
Floral Park, NY 11001
Phone: (516) 352-2707
Fax: (516) 326-0871
Website: www.bpsands.com
E-mail: chipb@bpsands.com
Bank Equipment: ATMs, Self Service Coin,
Check Imaging, Currency Counters, Kiosks
Donald R. Kimber
Partner
100 Madison Street, 1200 MONY Tower I
Syracuse, NY 13202
Phone: (315) 234-1100
Fax: (315) 234-1111
Website: www.bcpllc.com
E-mail: drk@bcpllc.com
Accounting Firm
Clark
Consulting
Patrick Young
Senior Consultant
28 Van Wyck Dr.
Princeton Junction, NJ 08550
Phone: (609) 897-0700
Fax: (609) 897-1170
Website: www.clark-consulting.com
E-mail: patrick.young@clark-consulting.com
Benefits/Retirement Plans/Compensation/BOLI
Clark
Consulting
Matthew Henebry
Senior Consultant
15R Hartford Avenue, Suite 2EF
PO Box 228
Granby, CT 06035
Phone: (860) 413-3600
Fax: (860) 413-3603
Website: www.clark-consulting.com
E-mail: matt.henebry@clark-consulting.com
Crowe
Horwath
Tony Rispoli
Sr. Manager
5900 Landerbrook, Ste. 205
Mayfield Heights Cleveland, OH 44124
Phone: (440) 460-1356
Fax: (440) 460-1302
Website: www.crowehorwath.com
E-mail: tony.rispoli@crowehorwath.com
Accounting Firm: Tax & Financial consulting, compliance,
audit & outsourced internal auditing.
Crowe Horwath
Mike Rarick
354 Eisenhower Parkway - Ste. 2050
Livingston, NJ 07039
Phone: (973) 422-4523
Fax:(973) 422-4520
Website: www.crowehorwath.com
E-mail: mike.rarick@crowehorwath.com
Dannible
& McKee. LLP
Thomas Fiscoe
Partner
Financial Plaza, 221 South Warren Street
Syracuse, NY 13202
Phone: (315) 472-9127
Fax: (315) 472-0026
Website: www.dmcpas.com
E-mail: tfiscoe@dmcpas.com
Accounting Firm: Auditing, accounting & consulting services,
including tax planning business valuation and fraud exams.
Paul Rosen
Vice President of Business
Development and Marketing
200 Canal View Boulevard, Suite 200
Rochester, NY 14623
Phone: (585) 341-3520
Fax: (585) 402-7820
Website: www.e-chx.com
Email: prosen@e-chx.com
Payroll Solutions
E-chx, Inc.
Steve Ruffino
District Sales Manager
200 Canal View Boulevard, Suite 200
Rochester, NY 14623
Phone: (585) 341-3520
Fax: (585) 402-7820
Website: www.e-chx.com
Email: sruffino@e-chx.com
Payroll Solutions
Federal
Home Loan Bank of New York
Adam Goldstein
Vice President & Director of Marketing and Sales
101 Park Avenue
New York, NY 10178
Phone: (212) 441-6703
Fax: (212) 949-0230
Website: www.fhlbny.com
E-mail: adam.goldstein@fhlbny.com
Credit/Bank Services: To advance local housing and
community development.
Glen Johnson
Federated Investors Tower, 24th Floor
Pittsburgh, PA 15222
Phone: 412-288-1951
Fax: (412) 288-1028
Website: www.federatedinvestors.com
Financial Services:
Fifth Third Processing Solutions
Jim Lumadue
325 Essjay, Suite 108
Williamsville, NY 14221
Phone: (716) 565-3187
Fax: (513) 534-7372
Website: www.53.com
E-mail: jim.lumadue@53.com
Funds Transfer: Electronic funds transfer services, correspondent
banking, cash management, treasury management, custody and
safekeeping services
Fifth Third Processing Solutions
Rachelle Powers
Vice President
325 Essjay, Suite 108
Williamsville, NY 14221
Phone: (716) 565-1806
Fax: (716) 565-1444
E-mail: rachell.powers@53.com
Financial
Services, Inc.
Brian McAllister
Senior Vice President Sales/Marketing
21 Harristown Road
Glen Rock, NJ 07452
Phone: (201) 652-6000 x202
Fax: (201) 652-8538
Website: www.insideFSI.net
E-mail: BMcAllister@insideFSI.net
Financial Services:
Providing turnkey solutions for our customers since
1954, Financial Services, Inc. (FSI) is one of the largest
independently owned Data Processing and Item Processing
solution providers to the banking services industry. Clients
range from de novos to multi-billion dollar community banks.
FSI is committed to a complete, worry-free integration of its
products and services. Core banking system, internet and bank by
phone services, item processing capabilities, hardware sales and support
and division or any of our other customer centric services.
Financial
Services, Inc.
Nancy Franchini
Assistant Vice President, Marketing
21 Harristown Road
Glen Rock, NJ 07452
Phone: (201) 652-6000 x202
Fax: (201) 652-8538
Website: www.insideFSI.net
E-mail: nfranchini@insideFSI.net
Finger
Lakes Technologies Group, Inc.
Paul Griswold
President & CEO
11 Framark Drive. Suite 20
Victor, NY 14564
Phone: (585) 924-3510
Fax: (585) 924-2619
Website: www.fltg.com
E-mail: paulg@fltg.com
Technology: Cisco Systems, Premier PLUS Certified Partner, IP
Telephony,
Security and Wireless Specialized Partner. Convergence of Data, Voice,
Internet, Video and Wireless. Offices in Victor, Phelps & Trumansburg, NY
Fiserv
Heather Wargo
Marketing Support, Northeast Region Data Center
Bank Solutions
151 National Drive
Glastonbury, CT 06033
Phone: (860) 652-1211
Fax: (860) 652-1322
Website: www.fiserv.com
E-mail: heather.wargo@fiserv.com
Financial Services: Full service data and item processing.
Fiserv
John Hoffman
Regional Sales Manager
PO Box 5014, 4 Fairfield Blvd.
Wallingford, CT 06492
Phone: (203) 284-7116
Fax: (203) 284-7185
Website: www.fiserv.com
E-mail: john.hoffman@firserv.com
FTN
Financial
Bob Nance
Senior Vice President
845 Crossover Lane, Suite 150
Memphis, TN 38117
Phone: (901) 934-8740
Fax: (901) 435-8201
Website: www.ftnfinancial.com
E-mail: bob.nance@ftnfinancial.com
Investment Banking Management: Investment, tax, interest rate risk, asset/liability,
liquidity management, trust preferred issuance, stock
research, bank stock trading, executive and employee
benefit design & implementation, bank owned life
insurance, corporate finance.
FTN Financial
Preston Carpenter
Vice President
845 Crossover Lane, Suite 150
Memphis, TN 38117
Phone: (901) 435-4725
Fax: (901) 435-4776
Website: www.ftnfinancial.com
E-mail: preston.carpenter@ftnfinancial.com
FTN
Financial
Sally Pace
Director of Marketing
845 Crossover Lane, Suite 150
Memphis, TN 38117
Phone: (901) 435-4725
Fax: (901) 435-4776
Website: www.ftnfinancial.com
Harland Clarke
Shawna Martin
Senior Account Executive
Phone: (585) 663-3167
Fax: (585) 621-7739
Website: www.harlandclarke.com
E-mail: shawna.martin@harlandclarke.com
Checks/Official Items: Leading provider of integrated payment solutions,
including checks, marketing services, technology solutions, best-in-class
account holder security, online training and development, card manufacturing
and personalization as well as Identity Theft Recovery.
Harland Clarke
Gina Kurdi
Account Executive, Eastern Division
Phone: (800) 382-0818
Voice Box: 2178
Website: www.harlandclarke.com
Email: Gina.Kurdi@harlandclarke.com
Stacey Leone
Director of Public Relations & Events
605 Crescent Executive Court, Suite 600
Lake Mary, FL 32746
Phone: (800) 989-9009 x6653
Fax: (407) 829-6715
Website: www.harlandfinancialsolutions.com
Email: stacey.leone@harlandfs.com
Technology: Harland Financial Solutions is a leader in core systems, item and payment processing, enterprise content management, branch automation, customer relationship management, business intelligence, lending solutions, risk management, compliance training, financial accounting, mortgage solutions, electronic banking and advisory services.
Cliff Weber
Partner
106 Corporate Park Dr., Ste. 317
White Plains, NY 10604
Phone: (914) 694-4102
Fax: (914) 694-4510
Website: www.hhk.com
E-mail: cweber@hhk.com
Attorneys: Legal services with emphasis on corporate,
securities, regulatory and transactional work for community
banks.
Hodgson,
Russ LLP
Christian Koelbl, III
Partner
One M&T Plaza Suite 2000
Buffalo, NY 14203
Phone: (716) 848-1256
Fax: (716) 819-4633
Website: www.hodgsonruss.com
E-mail: ckoelbl@hodgsonruss.com
Attorneys: Regulatory compliance & general counsel services.
Michael Colao
President
4 Commercial Street
Rochester, NY 14614
Phone: (585) 777-4114
Fax: (585) 777-4119
Website: www.hr-benefit.com
E-mail: hrbaltd@aol.com
Human Resource: Employee benefit consulting and Risk
Mangement
HR Benefit Advisors, Ltd.
Rocco Lueck
Managing Director
1207 Delaware Avenue
Buffalo, NY 14202
Phone: (716) 332-6123
Fax: (716) 332-6170
Website: rlueck@hr-benefit.com
E-mail: rlueck@hr-benefit.com
HR Works, Inc.
Candace Walters
President
246 WillowBrook Office Park
Fairport, NY 14450
Phone: (585) 381-8340 x11
Fax: (585) 385-2362
Website: www.hrworks-inc.com
E-mail: walters@hrworks-inc.com
Human Resource: Affirmative Action Plan Development and Consulting, Training, HR Outsourcing, HRIS/Self-Service, Outsourced Benefits Administration.
Integrated Compliance Solutions (ICS)
James H. Wistman, MBA
Director - New York Region
11 Penn Plaza, 5th Floor
New York, NY 10001
Phone (646) 241-5333
Fax (856) 439-1491
Website: www.icscompliance.com
E-mail: jwistman@icscompliance.com
Consultant: Compliance
Integrated Compliance Solutions (ICS)
Ron Davis
Regional Business Development Manager
275 Grove Street, Suite 2-400
Newton, MA 02466
Phone: (413) 746-2030
Website: www.icscompliance.com
Email: rdavis@icscompliance.com
Iris Digital Video
Gary Akey
Regional Sales Manager
54 Wolf Avenue
Malverne, NY 11565
Phone: (888) 451-4646
Fax: (516) 596-4260
Website: www.digitalvideocc.tv
E-mail:
Data Storage: Patented Digital Surveillance System, Telecameras,
ATM Light Monitoring
Jamesson
Associates
Michael Jamesson
Principal
PO Box 167
Scottsville, NY 14546
Phone: (585) 889-8090
Fax: (585) 889-8090
Website: www.jamessonassociates.com
E-mail: mjamesson@aol.com
Consultants: Asset/Liability management analysis and consulting,
strategic plan preparation, capital planning analysis
and facilitation.
KPMG
LLP
James McGrath, Jr.
Financial Services Partner
515 Broadway
Albany, NY 12207
Phone: (518) 427-4600
Fax: (518) 427-4622
Website: www.kpmg.com
E-mail: jmcgrathjr@kpmg.com
Accounting Firm: assurance, tax & legal,
consulting, financial advisory services.
KPMG
LLP
Dan White
515 Broadway
Albany, NY 12207
Phone: (518) 427-4845
Fax: (518) 427-4731
Website: www.kpmg.com
E-mail: djwhite@kpmg.com
LCS,
Inc.
Mark LiPuma
CEO
PO Box 406
Buffalo, NY 14205
Phone: (800) 474-6802
Fax: (716) 845-6164
Website: www.lenderconsulting.com
E-mail: mlipuma@lenderconsulting.com
Environmental Due Dilligence Services/Construction Monitoring: Environmental
and Construction Due Diligence and Policy Consulting
Services across NY and the Northeast.
LCS, Inc.
Ted Duffy
3 ECOM Square
Albany, NY 12207
Phone: (518) 320-9103
Fax: (518) 320-9104
Website: www.lenderconsulting.com
E-mail: tduffy@lenderconsulting.com
Lighthouse IT Compliance Group
Steve Roperti
Account Manager
11 Penn Plaza, 5th Floor
New York, NY 10001
Phone: (888) 542-8030
Fax: (401) 334-0719
Website: www.lighthousecs.com
E-mail: sroperti@lighthousecs.com
Technology: Consulting Services Computer Hardware and Software
Lighthouse IT Compliance Group
William DePalma
IT Compliance Specialist
6 Blackstone Valley Place, Suite 205
Lincoln, RI 02865
Phone (401) 335-0799
Fax: (401) 616-3713
Email: wdepalma@lighthousecs.com
Lodestone Banking Consultancy, Inc.
Mark Clark
Executive Vice President
6901 Henderson Road
Jamesville, NY 13078
Phone: (315) 446-6411
Fax: (315) 445-9579
Website: www.lodestonebanking.com
E-mail: mclark@lodestonebanking.com
Consultant: Core System Analysis (Jack Henry Silverlake, Fiserv, Metavante,
Miser...), AEM (advanced earnings methodology), 80/20 Lending (Commercial
Loan Analysis), M & A Analysis.
Booker Moore
President & CEO
PO Box 593
Hollidaysburg, PA 16648
Phone: (814) 695-8066
Fax: (814) 696-3244
Website: www.lrwebber.com
E-mail: bmoore@lrwebber.com
Consultant: Emoloyee Benefits, Administration, Surveys, Medical, Life, Disability, Retirement Plans
MKA Executive & Professional Benefits, Inc.
Barry Koslow
Principal
12 Gill Street, Suite 5600
Woburn, MA 01801
Phone: (781) 939-6050
Fax: (781) 939-6005
Website: www.mkabenefits.com
E-mail: bkoslow@mkabenefits.com
Benefit/Retirement Plans/Compensation: Design, implement, administer executive compensation and benefit programs.
M
& T Bank
Steven R. Schumer, CTP
Vice President, Financial Institutions Div.
One Fountain Plaza
Buffalo, NY 14203
Phone: (716) 848-7332
Fax: (716) 848-7318
Website: www.mtb.com
E-mail: sschumer@mtb.com
Correspondent Banking Services: ATM Access, Check Image Clear, International Trade Services, Public Fund Collateral Custody, BOLI,
Trust Preferred, Fed Funds, Loan Participations, Holding Company Facilities, Letters of Credit, Foreign Exchange Services, Domestic and International
Funds Transfers, Pension Services, Wholesale Mortgage Products and Investment Management Services.
M & T Bank
Geraldine Duits
Vice President, Financial Institutions Div.
1769 Route 52
Fishkill, NY 12524
Phone: (845) 440-2875
Fax: (845) 440-2972
Website: www.mtb.com
E-mail: gduits@mtb.com
The
Money Solutions Group
Fraj Lazreg
61 Highview Avenue
Orangeburg, NY 10962
Phone: (845) 398-0097
Fax: (845) 398-3316
Website:
www.moneyconcept.com
E-mail:
flajreg@moneyconcepts.com
New
York Business Development Corp.
Patrick J. MacKrell
President & CEO
50 Beaver Street, 6th Floor
Albany, NY 12207
Phone: (518) 463-2268
Fax: (518) 463-0494
Website: www.nybdc.com
E-mail: mackrell@nybdc.com
Credit/Bank Services: Provides small business loans in participation with
member banks.
Northeast Investors Title Insurance Company
Tim McLaughlin
Vice President
15 Fishers Road, Suite 112
Pittsford, NY 14534
Phone: (585) 586-3322
Fax: (585) 586-3130
Website: www.invtitle.com
E-Mail: tmclaugh@invtitle.com
Title Insurance
David E. Jones
Managing Director
One PNC Plaza, 26th Floor
249 5th Avenue
Pittsburgh, PA 15222
Phone: (412) 768-5404
Fax: (412) 762-7287
Website: www.pnc.com
E-mail: d.jones@pnc.com
Correspondent Banking: Credit Products, Treasury Management
A/L Management, Balance Sheet Strategies
PW
Campbell
David Welsh
Regional Vice President
109 Zeta Drive
Pittsburgh, PA 15238
Phone: (800) 253-7430
Fax: (800) 963-0200
Website: www.pwcampbell.com
E-mail: david.welsh@pwcampbell.com
Bank Buildings:
PW Campbell is a third generation, family-owned design/build firm, founded
in 1910. We offer planning, design coordination and construction management
services. PW Campbell provides a turnkey process for operation centers, retail
facilities, and additions/renovations through the PW Campbell Complete
Facility Solutionä. PW Campbell creates the best financial facilities to meet
each client’s unique needs.
PW Campbell
Erin Campbell
Regional Vice President, Marketing
109 Zeta Drive
Pittsburgh, PA 15238
Phone: (800) 253-7430 ext. 360
Fax: (412) 963-0200
Website: www.pwcampbell.com
E-mail: erin.campbell@pwcampbell.com
Profit Solutions Group
Mark Clayback
PO Box 5
Hamburg, NY 14075
Phone: (716) 646-6366
Fax: (716) 706-1516
Website:
www.profitsolutionsgrp.com
E-mail: markclayback@profitsolutionsgrop.com
Financial Institution Consulting: Revenue enhancement,
Insurance profitability improvement, Insurance Agency acquisition, Recruiting.
John L. Shedd, AIA
Architect/Principal
310 Fairmount Avenue
Jamestown, NY 14701
Phone: (716) 487-0354
Fax: (716) 487-0438
Website:
www.rwlarsonarchitects.com
E-mail: jshedd@rwlarsonarchitects.com
Bank Building: Leading financial facility architectural firm of licensed architects, landscape and interior designers. We work directly for our banking clients passing all value-designed savings along to you, working in your best interests, Starting with feasibility studies and site selection through construction and occupancy, we provide everything you need.
Red Hawk Industries (formerly Brown Securites)
Paul Brown
Branch General Manager
701 Seneca Street
Buffalo, NY 14210
Phone: (716) 845-6480
Fax: (716) 845-6159
Website: www.brownsecurity.com
Email: paul.brown@redhawk-su.com
Banking Equipment:
Supplier of banking systems, & equipment-provider of
single source project design & construction.
Christopher Chapman
397 Rt. 281, PO Box 430
Tully, NY 13159
Phone: (315) 696-6347
Fax: (315) 696-0243
Website: www.riehlmanshafer.com
Email: cchapman@riehlmanshafer.com
Attorneys: Full service law firm with a division specializing in creditor's rights.
Roosevelt & Cross,
Inc.
Lawrence D. Seymour
Senior Vice President
295 Main Street, Suite 718
Buffalo, NY 14203
Phone: (716) 856-6950
Fax: (716) 856-6963
Website: www.roosevelt-cross.com
E-mail:
lseymour@roosevelt-cross.com
Investment Banking/Management: Research, purchase, sale, underwriting, trading,
distribution & marketing of bank qualified tax exempt securities.
Roosevelt
& Cross, Inc.
Joseph Haller
295 Main Street, Suite 718
Buffalo, NY 14203
Phone: (716) 856-6950
Fax: (716) 856-6963
Website: www.roosevelt-cross.com
E-mail:
jhaller@roosevelt-cross.com
Roosevelt
& Cross, Inc.
David Wagner
Asst. Vice President
295 Main Street, Suite 718
Buffalo, NY 14203
Phone: (716) 856-6950
Fax: (716) 856-6963
Website: www.roosevelt-cross.com
E-mail: dwagner@roosevelt-cross.com
Roosevelt & Cross, Inc.
William Welsh
Senior
Vice President
55 Broadway
One Exchange Plaza, 22nd Floor
New York, NY 10005
Phone: (212) 504-9226
Fax: (212) 344-5771
Website: www.roosevelt-cross.com
E-mail: wwelsh@roosevelt-cross.com
Roosevelt
& Cross, Inc.
Joe Arena
20 Exchange Place
New York, NY 10005
Phone: (212) 344-2500
Website:
www.roosevelt-cross.com
E-mail: jarena@roosevelt-cross.com
Sandler
O'Neill & Partners, L.P.
Richard Olstein
Managing Director
919 3rd Avenue, 6th Floor
New York, NY 10022
Phone: (212) 466-7818
Fax: (212) 466-7888
Website: www.sandleroneill.com
E-mail: dolstein@sandleroneill.com
Investment Banking/Management: Full service investment banking, financial
management and advisory.
UHY Advisors, Inc.
Howard Foote
Managing Director
66 State Street
Albany, NY 12207
Phone: (518) 449-3166
Fax: (518) 449-5832
Website: www.uhy-us.com
E-mail: hfoote@uhy-us.com
Accounting Firm: Consulting and Assurance Service.
Melissa Goodwin
Marketing Specialist
99 High Street
Boston, MA 02110
Phone: (617) 439-9700
Fax (617) 423-6229
Website: www.wolfandco.com
E-mail: mgoodwin@wolfandco.com
Accounting Firm: Consulting