Patricia A. Carbaugh

FNB Financial Corp. /PA/ is a bank holding company. Its activities include owning and supervising The First National Bank of McConnellsburg, which engages in a full service commercial and consumer banking business. The company monitors its bank's income from the furnishing of banking and banking-related services. FNB Financial was founded in 1864 and is headquartered in McConnellsburg, PA.

Tower Bancorp, Inc. operates as a bank holding company for Graystone Tower Bank. The bank is a full-service community bank operating forty-nine branches throughout southeastern and central Pennsylvania and Washington County, Maryland. The bank operates under a single charter through three division brands - 'Graystone Bank', 'Tower Bank,' and '1N Bank'. The bank offers residential mortgage services through its mortgage banking subsidiary, Graystone Mortgage, LLC, in which the bank holds a 90% membership interest as well as American Home Bank ('AHB Division'), a division of the bank. The bank also provides a broad range of trust and investment management services and provides services for estates, trust, agency accounts and individual and employer sponsored retirement plans through the bank's Wealth Management Division. In addition to retail and commercial banking and wealth management services, the bank offers an array of investment opportunities, including mutual funds, annuities, retirement planning and insurance through Graystone Insurances Services, LLC, a wholly-owned subsidiary of the bank. Through these banking divisions and subsidiaries, the bank offers a complete range of financial products to consumers, businesses and not-for-profit customers. The company was founded in 1983 and is headquartered in Harrisburg, PA.