Community Reinvestment Act

Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of the communities we serve consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their locations and services provided at them, the public section of our most recent CRA evaluation, prepared by the Federal Deposit Insurance Corporation, Division of Depositor and Consumer Protection, New York Regional Office, 350 Fifth Avenue, Suite 1200, New York, New York 10118; and comments received from the public relating to our performance in helping to meet community credit needs as well as our responses to those comments. You may review this information today at our Main Street Office located at 12 South Main Street, Mercersburg, PA, or by making a request at any of our community office locations.