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Michael J. Koontz
Michael J. Koontz

Senior Vice President
Serving Mt. Jackson and
Surrounding Areas

Email Mike
O: 540.477.2455
C: 540.335.3220
F: 540.477.2228
NMLS#: 463188

 

I work hard to deliver... a smile on my customers’ faces as we work through financial decisions together. I listen and continually offer solutions until we find the one that’s right for them.

Mike has 29 years of banking experience and expertise in commercial lending. He holds a B.B.A. from James Madison, and is a graduate of the CNB School of Compliance, the Virginia Bankers School of Bank Management, and the First Virginia University College of Management. His community involvement includes volunteering for the Mt Jackson Lions Club, Shenandoah Community Foundation, Bridgebuilder Scholarship Foundation, and a member of the Mt Jackson Economic Development Authority.

Andy Hershey
Andy Hershey

Senior Vice President
Serving Winchester and Frederick Counties, and Surrounding Areas

Email Andy
O: 540.678.2721
C: 540.333.6047
F: 540.665-8811
NMLS#: 422105

 

I work hard to deliver … an experience above the rest. I try to stand beside our customers and our employees, working with them to overcome hurdles and help ensure their goals or dreams are met.

Andy has 39 years of experience with expertise in real estate and commercial financing. He holds a degree from Virginia Tech and is a graduate of the Virginia Bankers School of Bank Management. His community involvement includes the Winchester Downtown Development Authority, the International Development Association (IDA) of Winchester and more.

Cyndie J. Layman
Cyndie J. Layman

Senior Vice President
Serving Winchester and Frederick Counties, and Surrounding Areas

Email Cyndie
O: 540.678.2719
C: 540.333.6036
F: 540.665.8811
NMLS#: 469623



I work hard to deliver... service that’s above and beyond the expectations of our customers, such as meeting them at their place of business whenever they need me to.

With 31 years of banking experience, Cyndie has experience and expertise in small business lending, commercial lending, residential development and construction, and rental investment property lending. She has a B.A. from Shenandoah University, and attended the Louisiana State Graduate School of Banking. She is also a graduate of the West Virginia Bankers School of Bank Management. Cyndie’s involvement in the community includes organizations such as Habitat for Humanity, United Way, Lions Club, and Society for the Prevention of Cruelty to Animals.

Paul K. Martin
Paul K. Martin

Senior Vice President
Market Executive
Serving Augusta County and
Surrounding Areas

Email Paul
O: 540.213.3100 Ext. 4321
C: 540.490.0685
F: 540.885.4633
NMLS#: 414850


I work hard to deliver... products and service that make the customer feel understood and appreciated.

Paul has 30 years of experience and expertise in Commercial and Investment Real Estate lending and business development. He has a B.S. in Business Administration from Longwood College, and is a graduate of the Virginia Bankers School of Bank Management. His community involvement includes being a member and volunteer for the Valley Mission and the Emmanuel Episcopal Church.

Angel Negron
Angel Negron

Business Development Officer
Serving Augusta County and Surrounding Areas

Email Angel
O: 540.332.3100 Ext. 4319
C: 540.430.9093
F: 540.885.4633
NMLS#: 476099


I work hard to deliver … products and services that are more than just a banking transaction; it’s having a partner that takes the time to understand your business, life, and situation that makes a real difference.

Angel has 44 years of banking experience focused on business development and commercial lending. He is a graduate of the Virginia Bankers School of Bank Management, studied commercial lending at East Carolina University, real estate lending at Fairfield University, and completed various other commercial lending seminars. His involvement in the community includes serving and volunteering for the Hospice of the Shenandoah, Staunton Historic Foundation, the Shenandoah Valley Kiwanis Club., the R.R. Smith Foundation, and many more.

Kevin Nixon
Kevin Nixon

Vice President
Business Development Officer
Serving Harrisonburg, Rockingham County and Surrounding Areas

 

Email Kevin
O: 540-564-3893
C: 540-442-0481
F: 540-564-9623

 

I work hard to deliver... long term successful client relationships. I get to know my customers business goals as well as personal goals. By creating goals, you create a path for a journey. Partnerships aid in the success of any given journey. I believe all business success can be attributed to successful partnerships.

Kevin uses his education, thirteen years as a business owner, and twelve years of local banking and to help businesses achieve desired results.

Kevin is currently on the United Way of Greater Augusta Board, Officer in Rockingham County Rotary, a Development Committee Member for the Shenandoah Valley Partnership, and a member of Covenant Presbyterian Church. Kevin also volunteers and supports many other worthy causes in the Shenandoah Valley.

Susan M. Ralls
Susan M. Ralls

Senior Vice President 
Commercial Loan Officer
Serving Front Royal
and Surrounding Areas

Email Susan
O: 540.636.3555 Ext. 3021
C: 540.535.9504
F: 540.636.9216
NMLS#: 1156388


I work hard to deliver ... an experience that provides personal service for our customers by getting to know their business needs and becoming their partner and advocate throughout the process.

Susan has almost 30 years of experience in the industry. Her expertise is in commercial lending, consumer lending, commercial mortgage lending, construction, small business lending including lines of credit, residential development, investment property lending, management, business development, and auditing. She earned an Associate of Applied Science Degree in Business Technology, with a major in management from Lord Fairfax Community College. She also completed studies in commercial lending and commercial mortgage lending at East Carolina University and has taken many other industry related courses. Susan is active in the community including the Front Royal Rotary Club, the JDRF Walk to Cure Juvenile Diabetes, United Way Day of Caring, Core Dynamics, and many more.