Gerald N. Volk

Oneida Financial Corp. is a stock-owned savings and loan holding company. Oneida Savings Bank, the wholly-owned subsidiary of Oneida Financial Corp., is a community bank engaged primarily in the business of accepting deposits from customers, using those deposits, together with funds generated from operations and borrowings to make one-to-four family residential and commercial real estate loans, consumer loans and commercial business loans and to invest in mortgage-backed and other securities. Through Oneida Wealth Management Inc., wholly owned subsidiary provides financial and investment advisory services. It operates through three segments: Banking Franchise, Insurance, Risk Management & Employee Benefits Activities and Financial & Investment Advisory Activities. The company was founded in September 1998 and is headquartered in Oneida, NY.

Prima International Trading distributes used construction equipment. The private company is based in Syracuse, NY.

State Bank of Chittenango (New York) operates as a commercial bank. The company is based in Chittenango, NY. State Bank of Chittenango (New York was acquired by Oneida Financial Corp. on December 31, 2002.

The Oneida Savings Bank provides banking services. The Oneida Savings Bank is based in Oneida, NY.