Authors

Stacey Sickler is the Mortgage Lending Team Leader at Citizens & Northern Bank. Stacey has been in Mortgage Lending for 21 years including 13 with C&N. She is responsible for originating residential mortgages, including purchase, refinance, new construction and land financing, in Bradford County, PA and the Southern Tier of NY. Stacey's office is in our Sayre Branch located at 1827 Elmira Street, Sayre, PA 18840.

She holds her BS Degree in Business Administration and Finance from Susquehanna University and is a graduate of the Advanced School of Banking at Bucknell University. She is also a graduate of the NY Penn Leadership Program. Active in her community, Stacey is treasurer of the Spalding Memorial Library and a member of the Choices Program and her children’s school PTG.

Stacey and her husband, David, have two children and live in the Athens area.

"There is nothing more gratifying than helping people realize the dream of homeownership. It's an exciting time for them and I feel fortunate to be a part of it."

Michael joined Citizens & Northern Bank in February of 2006. He is an honors graduate of Cornell University where he received his Bachelor of Science degree in 1986.
 
Michael has received two designations from the American Society of Pension Professionals & Actuaries:  the Qualified 401(k) Administrator (QKA) designation   and the Qualified Plan Financial Consultant (QPFC) designation.

Prior to joining Citizens & Northern, Michael managed the Retirement Services Group at Chemung Canal Trust Company in Elmira, New York. He has a combined total of 20 years of experience as a trust department officer, including 17 years delivering retirement plan administration and investment services.
 

Sam has been with C & N since 2011 and is currently the South Regional Manager of Financial Services. Prior to joining C & N, Sam was a Wealth Manager at Wienken Wealth Management in State College. Sam graduated with honors in business administration from the Whittemore School of Business and Economics at the University of New Hampshire. Sam holds a Series 7 and 66 securities license as well as his insurance license.

Kelly Fasse is a Mortgage Loan Originator at Citizens & Northern Bank covering Tioga and Chemung Counties. She has 24 years of banking experience with C&N. Kelly's office is in our Mansfield Branch located at 1085 South Main Street, Mansfield, PA 16933.

Kelly attended Pennsylvania College of Technology and she holds several banking diplomas from the American Bankers Association. She is also active in the Mansfield Chamber of Commerce.

Elizabeth Johnson is a Regional Community Office Manager based in the Sayre branch. A native of the Troy area and graduate of Troy High School, Elizabeth has been in banking since 2008. Prior to coming to C&N, she held positions at Key Bank in Columbus, OH and Regions Bank in Anniston, AL.

Kim Whiting is a Mortgage Loan Originator at Citizens & Northern Bank covering Cameron, Elk, Potter & McKean Counties. She has 21 years of banking experience with C&N. Kim's main office is located at 135 East Fourth Street, Emporium, PA 15834. Her satellite office is located at 10 N. Main Street, Coudersport, PA 16915.

Kim graduated from I.U.P. Academy of Culinary Arts and was also a Graduate of Pennsylvania Bankers Association School of Banking and Advanced School of Banking. She currently is a board member of the Cameron County Chamber and the Cameron County Industrial Development Authority/Industrial Planning Corporation. She is also a member of the Emporium Rotary Club, member of the North Central Loan Review Board and serves as an Auditor for the County of Cameron.
 

With over 23 years of experience in the finance industry, George Greeley brings a wealth of knowledge to Citizens & Northern Bank. Currently, he is the Senior Loan Underwriter where he reviews credit reports and approves loans on a daily basis. In his time at C&N, he has also held the positions of Branch Lender and Business Development Officer. He is a graduate from the School of Banking, Advanced School of Banking and Commercial School of Banking. George maintains his superlative industry knowledge by taking courses offered through the American Institute of Banking, and by attending several educational seminars and conferences each year. 
 

Upon joining Citizens & Northern Bank in 2006, Nathan has been involved in all facets of administration and service for our clients’ qualified retirement plans. Because his department handles everything in-house at C&N, his scope of expertise includes developing plan documents, record-keeping, investment selection and personalized retirement income planning for plan participants.

Nathan’s previous experience with Seligman Data Corp as a Senior Business Analyst allowed him to develop knowledge in investment services. Prior to that position, He was a 401(k) plan administrator at Citistreet where he gained valuable expertise in retirement planning and administration. With his unique combination of skills and experience, Nathan provides unparalleled service and expertise for his clients.

After receiving his BS in Secondary Education from the Pennsylvania State University, Nathan acquired his MBA from the University of Southern Maine. He is a member of the OSSEA Masonic Lodge.

Chrissi Copp is the Treasury Management Coordinator at Citizens & Northern Bank. She has been with C&N since 2008, where she started as an Account Services Representative. As the leader of the Treasury Management Department, Chrissi works closely with business clients to understand their financial operations and make sure they have the appropriate banking services to fit their business needs. She is a Certified Treasury Professional (CTP) and an Accredited ACH Professional (AAP), and she received her degree in Business Administration from Penn State University.

Philip is the Trust Investment Manager and oversees the investment unit of the Trust and Financial Management Group. His responsibilities include the oversight of investment strategies, investment analysis and manager selections. Philip joined C&N in 2000. He was previously responsible for the delivery of C&N Bank’s financial services, including the sales and service of Trust, Brokerage and Insurance services. He also retains administration duties for client accounts.

Prior to joining C&N, Philip’s experience at First Citizens National Bank, Prough Insurance Agency and Parente Randolph provided him with valuable skills and insight to lead his team to success at C&N. Philip’s driving philosophy is that “providing a deep, knowledgeable team gives our clients assurance that we have a sustainable support network to meet their changing financial needs. But it’s our personal service that demonstrates our clients will always be our primary focus.”

Philip is an honors graduate from Lycoming College, receiving his Bachelors of Arts degree in Accounting. He received his Master of Business Administration from Colorado State University in 2012 and has held the designation of Certified Financial Planner® practitioner since 2003. He also holds various securities and insurance licenses.

A C&N employee since October 2001, Mr. Charles holds his BA degree in financial accounting, graduating from Lycoming College in 1996. In August of 2003, Mr. Charles earned the designation of Certified Public Accountant (CPA).  He is a member of the Pennsylvania Institute of Certified Public Accountants (PICPA) and is past president of its North Central chapter, is a member of the Pennsylvania Bankers Association Government Relations Policy Committee and was a member of its predecessor Tax, Trust and Estates Advisory Committee, and has served as an instructor with Pennsylvania Bankers Association Professional Development Network.  Active in his community, Charles is a board member and past president of the Wellsboro Area Chamber of Commerce and is a member of its Enhancement, Finance and Laurel Festival committees.

With over 30 years in the industry, Halle has cultivated extensive expertise through her knowledge of many functions, including branch management, commercial lending, small business development and, most recently, small business lending utilizing the SBA and USDA loan guarantee programs. 

After receiving her Accounting degree with High Honors from Pennsylvania College of Technology, Halle pursued industry-related certificates through the Pennsylvania Bankers Association Advanced School of Banking and their Central Atlantic School of Commercial Lending.

Halle prides herself on striving to identify the financing needs of the small business and commercial client and providing solutions designed specifically for their needs. She finds reward in contributing to the economic success of our community, which starts with the small business owner. She is a member of the Williamsport Area School District Advisory Board and Lock Haven University’s Entrepreneurial Leadership Board and Small Business Development Center Board. She also serves as a member of the Williamsport/Lycoming Chamber of Commerce and City of Williamsport Revolving Loan Fund Committee and the Millionaire Chapter of Business Network International. In addition, she still makes time to dedicate to the South Williamsport United Methodist Church as the Finance Committee Chairperson and the Kahletown Cemetery Association as Treasurer.

Larry is a local industry veteran with extensive knowledge and expertise in all facets of financial planning. With over 20 years in the financial services industry, he has been with C&N since 1999 and is currently the Trust Sales & Services Manager, a role in which his personal goal of helping people is fulfilled day in, day out. He believes that “superior service” means getting to know our clients, understanding what is truly important to them, and helping them put a plan together to accomplish those very personal desires.

Larry is an Honor Graduate of Cannon Financial Institute, Trust Schools 1, 2, & 3.  He has also completed the College for Financial Planning Professional Education and the American Bankers Association Private Wealth Management School. In addition to holding the designation of both Certified Trust and Financial Advisor (CTFA) and Certified Financial Planner practitioner (CFP), he also holds Security Licenses Series 7 – General Securities Representative and Series 63 – Uniform Securities Agent, as well as Life, Accident, Health and Property Casualty Insurance Licenses. Larry served as a member of the Pennsylvania Bankers Association Advisory Committee on Financial Planning from 2002 through 2004.

Larry is known to be an exceptionally active member of his community. He was appointed and/or elected to Pike Township Board of Supervisors from 1992 through 2011. He is also an active member and Sunday School teacher of the Rome Presbyterian Church, Past President of Athens Rotary, a member of LeRay Lodge #471 F. & A.M., a member of the Financial Planning Association, and has been a member of the Finance and Investment Committee for the Community Foundation for the Twin Tiers since its inception in 2002.

Tammy has established a reputation for delivering a superior standard of excellence to her clients, as well as throughout the community. She joined the C&N team in September of 2016 and is currently Vice President/Senior Commercial Loan Sales Officer covering the Chemung and Steuben County market. As a graduate of the ABA Stonier National Graduate School of Banking and the Wharton School Leadership Certification program, Tammy brings over 20 years of industry experience and most recently served as Senior Vice President at Elmira Savings Bank. Her philosophy hinges on building a strong sense of trust and mutual respect with her clients. She said, “Trust can only be earned over time and by demonstrating accountability – holding one another accountable leads to creating success together.”

Her dedication to her community is clearly evident, as she serves as a Board Member and Treasurer for Woodbrook Assisted Living and serves as the Chairman of the Advisory Design Team for the Elmira City School District National Academy of Finance School. Tammy previously served on the board for the United Way of the Southern Tier, Meals on Wheels of Chemung County, The American Red Cross, Southern Tier Industries Advisory Board for Chemung ARC, YWCA of the Twin Tiers and Elmira City Club.

A lifelong resident of Elkland, PA, Ben joined Citizens & Northern Bank in 2012. With a focus on Retirement Planning, Estate Planning and Investment Management, he also provides Insurance and Financial Consultation and holds Series 7 and 63 securities registrations. Prior to joining C&N, Ben held positions at Unifirst Corp as a Sales Representative and District Service Manager. He was also a Marketing and Sales Associate at JT International. Throughout all of these roles and experiences, Ben has cultivated a unique skillset that focuses on building relationships with his clients.  "Every client has different needs and objective, I enjoy the challenge and opportunity to find the right solutions for them."

Ben earned his Bachelor of Business Administration and his Master of Business  Administration from St. Bonaventure University. He is an active volunteer for Relay for Live for the American Cancer Society and enjoys spending time in the outdoors.

Ryan J. Satalin is a Senior Commercial Loan Sales Officer at Citizens & Northern Bank. Ryan has a wealth of experience in the financial arena, joining Citizens & Northern Bank in 2011. He previously spent four years with M&T Bank Corporation in Baltimore, MD, as a commercial relationship manager. He later moved to the M&T offices in Williamsport, PA, where he served as a business banking relationship manager.

He holds his BA degree from Johns Hopkins University and his MBA degree in finance from Iona College.
 

Michelle Rae is a Mortgage Loan Originator at Citizens & Northern Bank covering Bradford County. She had 19 years of experience in a similar capacity prior to joining C&N's Lending Team in 2012. Michelle's office is in our Towanda Branch located at 428 Main Street, Towanda, PA 18848.

Michelle has her Bachelors Degree in Business with Minors in Communications and Human Resources.

Linda Gordner is a Mortgage Loan Originator at Citizens & Northern Bank.  Linda is responsible for originating residential mortgages, including purchases, refinance, new construction and land loans in the Lycoming and surrounding counties. She has over 40 years of banking experience including 16 years with C&N.  Linda’s office is in our Muncy Branch located at 3461 State Rt. 405, Muncy, PA  17756.

Linda is a graduate of Central Atlantic School of Banking, Central Atlantic Advanced School of Banking and Commercial Lending at Bucknell University.

Active in her community Linda continues to serve as the secretary for Pine Township, Columbia County and has done so for the past 33 years.

Andee Cummings is a Mortgage Loan Originator at Citizens & Northern Bank covering Tioga County. She earned her Bachelor of Science degree in Business Administration and Finance from Mansfield University in 2004. Prior to joining C&N, she spent 7 years as the Associate Director for Student Life and Student Transition at Mansfield University, where she planned, promoted and executed programs and events to successfully engage, retain and transition students to the university.

Upon joining C&N in 2016 as a Business Analyst, she spearheaded the development, implementation and execution of C&N’s electronic imaging project. The following year, she accepted the position of Management Trainee, in which she worked within core banking areas to gain the skills, knowledge, and exposure necessary to successfully advance as a well-rounded employee within the Bank.