Being an independent, state chartered trust company, we are committed to serving the Personal Trust needs of the greater central Pennsylvania community. We are not a bank, nor do we provide traditional bank products. We provide personal trust and fiduciary services . . . period. We are focused on and committed to ensuring that all levels of wealth have access to professional trust administration at a reasonable cost.

Do you have an effective estate plan in place? Have you adequately planned for the disposition of your estate in such a manner that leaves what you want to whom you want? Have you discussed the potential federal and state tax consequences of your current situation? Times have changed and a simple Will may no longer be enough. At Community Trust Company we believe it is never too early to plan, and the work we do today does more than provide for you, it provides for the ones you leave behind.

If you are looking for an innovative trust company to help you develop and implement your estate plan, Community Trust Company is right for you. We are a company devoted to relationships, dedicated to preserving the ones you have built and committed to building ones based on competent and reliable personal service.

Established in 1991, Community Trust Company has grown and changed over time. From a privately owned, corporate non-profit organization to a publicly owned, state-chartered independent trust company, we have changed to meet the needs of our clients. That commitment is stronger today than ever before.

Susan A. Russell - President and Chief Executive Officer

Susan A. Russell has over 20 years of trust and tax mangement experience. She joined Community Trust Company in 1998 as Vice President and Trust Officer, and was named President and Chief Executive Officer in January 2004 of Community Trust Company, Community Financial, Inc. (holding company) and associated subsidiaries. Ms. Russell also serves on the Board of Directors of Community Trust Company and Community Financial, Inc.

She is a 1975 graduate of the University of Miami, Coral Gables, Florida, with a Bachelor of Science degree in Communications and Biology. She is a graduate of the Central Atlantic School of Trust, a three-year trust school sponsored by the Pennsylvania Banker’s Association, where she received extensive training in trust administration, fiduciary and personal income tax, trust operations, and trust investments.

Ms. Russell previously worked as a Trust Officer, a Tax Manager, and a Trust Operations Manager at Mellon Bank in Harrisburg, Pennsylvania, and the Trust Tax and Operations Manager at Drovers Bank in York, Pennsylvania. Prior to joining Community Trust Company, Ms. Russell worked in the Private Banking area of PNC Bank, N.A. in Camp Hill, Pennsylvania.

She is a member of the Estate Planning Council of Central Pennsylvania and the Estate Planning Council of Cumberland County. She has served as a deacon for the Presbyterian Church in Camp Hill, Pennsylvania. Ms. Russell has been a Girl Scout Leader for the Hemlock Girl Scout Council since 1992.

Patricia A. Hindermyer - Senior Vice President

Pattie joined our team in January 2007 as Senior Vice President and brings over thirty eight years experience in the Trust and Financial Services Industry concentrated in central Pennsylvania. She is a graduate of Harrisburg Area Community College and Pennsylvania State University with a degree in Business Administration as well as the Central Atlantic School of Trust sponsored by the Pennsylvania Bankers Association.

Her career began in the Investment Department of the Harrisburg National Bank and Trust Company predecessor to Commonwealth National Bank/ Mellon Bank and included portfolio management for individuals, corporations, non-profit entities and common trust funds as well as Personal Trust administration. She has extensive knowledge in the ERISA field with responsibilities covering client administration, investment management, compliance, daily valuation plans and product development. Furthermore, her experience in the industry has been with a blend of regional and national banking institutions. Prior to joining Community Trust Company, she worked in the Wealth Management Division of Sovereign Bank (formerly Waypoint) where her focus had been on the development of investment management services and marketing to Institutional, individual and business clients in the Northern Maryland and Central Pennsylvania regions.

Mrs. Hindermyer and her husband, Bob reside in Steelton. She has been a long standing member of the Harrisburg Rotary.

Thomas A. Holmes - Vice President and Investment Officer

Thomas A. Holmes is the Investment Officer of Community Trust Company, manages all investment portfolios and accounts, and develops the overall investment strategy for the trust company. Mr. Holmes serves as Chairman of the Trust Investment Committee and is a member of the Trust Administration Committee. He joined Community Trust Company in February 2002, and brings with him over six years of investment experience.

He is a Registered Representative and holds the Series 7, 63 and 65 licenses with the National Association of Securities Dealers (NASD). He is also a licensed Life, Accident and Health Insurance Agent in the Commonwealth of Pennsylvania. He is attending the Central Atlantic School of Trust, a three-year trust school sponsored by the Pennsylvania Banker’s Association, held at Bucknell University, Lewisburg, Pennsylvania where he is receiving extensive training in trust administration, fiduciary and personal income tax, trust operations, and trust investments.

Mr. Holmes previously worked as a Financial Advisor and Retirement Planning Specialist for Morgan Stanley Dean Witter, in Harrisburg, Pennsylvania. While at Morgan Stanley he gained valuable experience in the financial services industry, focusing primarily in the areas of Wealth Management, Retirement Planning and Investments. Prior to joining Morgan Stanley, Mr. Holmes worked as a Quality Engineer for Lear Corporation in Carlisle, Pennsylvania.

He is a member of the Estate Planning Council of Central Pennsylvania and the Estate Planning Council of Cumberland County. Mr. Holmes serves as the Chairman of the Finance Committee of Trinity United Methodist Church and Director of the Jacksonville Lions Club. He is also active in the Big Spring School District Junior Olympic Wrestling Program as a Board Member and Head Coach.

James E. White - Vice President and Trust Officer

James E. White is a Vice President and Trust Officer of Community Trust Company where he administers Trusts of all types, and settles Decedents' Estates. He joined Community Trust Company in February 2006, and brings with him over eighteen years of Trust Experience.

He graduated from Allegheny College, Meadville, PA, in 1967, with a Bachelor of Arts in English, and graduated from the Duquesne University School of Law, Pittsburgh, PA, in 1970, with a Juris Doctoris. For fifteen years, he engaged in the private practice of civil law in Pittsburgh, PA as a partner in the law firm of Laubach & Fulton.

In March of 1986, Mr. White made a career change by joining Union National Bank of Clarksburg, WV as a Trust Officer. In 1993, he moved from West Virginia to York, PA to join Drovers & Mechanics Bank as a Vice President and Trust Officer. In 1999, he joined Allfirst Bank as a Vice President and Trust Officer specializing in trust administration and estate settlement.

Mr. White retains membership in the Pennsylvania Bar Association, the York County Bar Association, where he serves on several committees, and the West Virginia State Bar. He served for three years on the Executive Committee of the York County Estate Planning Council and has recently become a member of the Estate Planning Council of Central Pennsylvania.

He has been an active member of the Philanthropy Committee—East of the Lutheran Social Services of South Central PA, is the president of the council of Our Saviour's Lutheran Church, and is a voting delegate to the 2006 Assembly of the Lower Susquehanna Synod of the Evangelical Lutheran Church in America. He has served on a Synod task force and has been appointed to a Synod Committee.

He and Marjie, his wife, have been married for thirty-eight years and have a daughter, a son and three grandchildren. Marjie and he reside in East York with their two Greyhounds, adopted former racers, a Yorkshire terrier and three cats.

Patricia A. Walter - Trust Officer

Patricia A. Walter is a Trust Officer for the Community Trust Company. Ms. Walter joined Community Trust Company in August of 2002, and brings with her thirty years of financial and trust experience.

Ms. Walter started her financial career in 1972 with the Mid Penn Bank in Millersburg, PA. Prior to coming to Community Trust Company, she held the position of Trust Officer. She also teaches classes for the PBA Professional Development Network, and acts as an advisor for their home study program.

She is a graduate of the Central Atlantic School of Trust, a three-year trust school sponsored by the Pennsylvania Banker's Association, where she received extensive training in trust administration, fiduciary and personal income tax, trust operations, and trust investment.

Lowell R. Gates, Esq. Chairman President Gates, Halbruner & Hatch, P.C. Nicholas E. Dunphy, Jr. Secretary Entrepreneur Restaurant Owner Charles J. Henry, CPA Treasurer McKonly & Asbury LLP Andrew W. Kohr Commercial Real Estate Sales NAI/CIR Susan A. Russell President & CEO Community Trust Company