Darcus Breneman
Darcus Breneman

Vice President
Business Development Officer

Serving Winchester and Frederick County

Email Darcus
O: 540.678.2718

Darcus brings over 35 years of banking experience in the areas of retail banking, lending and wealth management. She is a graduate of Lord Fairfax Community College and James Madison University with a Bachelors degree in Management and a minor in Economics. As a native of Frederick County, she is very involved in the community. She has been an active member of Rotary for over 25 years and serves on several committees in the Winchester Rotary. She is the past chair and current secretary for the United Way of the Northern Shenandoah Valley. Darcus serves on the board of the Community Foundation of Northern Shenandoah Valley and participates in the Non-Profit Alliance initiatives. She is also active with the Worlds of Work (WOW) committee and with the Blue Ridge Association of Realtors affiliate team.

Sandra Craft
Sandra Craft

Senior Vice President
Commercial Loan Manager

Roanoke Valley

Email Sandra
O: 540.966.0243
F: 540.966.0254
NMLS#: 665516

Sandra has over 27 years of banking experience and has been a lender for almost 20 years. She started at the bank as a high school senior and worked her way up through deposit operations, teller, branch manager/retail loan officer and commercial loan officer. She is a graduate from Radford University with a B.S. in Business Administration. She is involved in the Botetourt County Education Foundation, Board of Directors Botetourt County Career & Technical Education and an advisory board member for the American Red Cross.

Teresa Fridley
Teresa Fridley

Commercial Banking Officer

Email Teresa
O: 540.992.3838

Teresa has over 38 years of banking experience in the areas of branch manager, retail loan officer, quality analyst, credit analyst, treasury management/small business lending, deposit operations, bankruptcy/BSA, and loan operations. She attended Virginia Western Community College and completed The Graduate School of Banking at Furman University. A native of Botetourt County, Teresa, currently resides in Fincastle, and is active in the community. She serves as President for the Daleville Fincastle Lions Club, Botetourt Chamber of Commerce Tinsel Trail Committee, and volunteers with Botetourt Food Pantry.

Andy Hershey
Andy Hershey

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

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

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.

Peter Jessee
Peter Jessee

Vice President
Business Development Officer

Serving Roanoke Valley

Email Peter
O: 540.966.0241

Peter has worked as a commercial lender since 1990. He earned his bachelor’s degree in Political Science from the University of Virginia and his MBA from Virginia Tech. He has served on the boards of the Kirk Family YMCA (as Treasurer), American Red Cross, and Roanoke Catholic School. He has been on the Board of Southwest Virginia Ballet for 10 years and served as President from 2015 to 2021.

Michael J. Koontz
Michael J. Koontz

Senior Vice President
Serving Mt. Jackson and
Surrounding Areas

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

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.

Cyndie J. Layman
Cyndie J. Layman

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

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

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 President

Serving Augusta County and
Surrounding Areas

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

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.

M. Andrew McLean
M. Andrew McLean

Market President
Westhampton

Email Andy
O: 804.282.2596
F: 804.282.4212
NMLS#: 507057

Andy has over 36 years of experience in commercial community banking including senior level positions in business development, commercial lending, credit administration, corporate development, and operations. He is a University of Virginia graduate and is actively engaged with the Virginia Bankers Association. Andy’s community involvement includes organizations such as the Juvenile Diabetes Research Foundation, the Goochland Free Clinic & Family Services Foundation, the Science Museum Foundation, Kiwanis, and the Richmond Association of Business Economics.

Angel Negron
Angel Negron

Business Development Officer
Serving Augusta County and Surrounding Areas

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

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.

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
F: 540.636.9216
NMLS#: 1156388

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.

Matt Paciocco
Matt Paciocco

Senior Vice President
Regional Executive

Serving Richmond and Surrounding Areas

Email Matt
O: 804.869.1787

Matt has over 18 years of experience in all areas of commercial and retail banking. He has a B.S. in Business Administration and a B.S. in Economics from Longwood University and is also a graduate of the Virginia Bankers Association’s School of Bank Management. Matt remains very active in the community including serving as a member of Longwood University College of Business and Economics Advisory Board, the Chairperson of Resources for Independent Living, a Board Member for the Central Virginia Resource Corporation, and is a baseball coach with the Glen Allen Youth Athletic Association and Rockit Sports. He lives in Richmond with his two children and enjoys serving in the Worship ministry of Gayton Baptist Church as a musician and vocalist and spending time on the golf course.

 

Scott Steele
Scott Steele

Regional President
Roanoke Valley

Email Scott
O: 540.996.1240
F: 540.966.1705
NMLS#: 1296580

Scott brings over 25 years of experience in banking. He has a B.S. in Business Administration from West Virginia University. He also graduated from LSU’s Graduate School of Banking. Scott is very active in the community. He is the founding member and treasurer of the Botetourt County Rotary Club, a board member and treasurer of the Botetourt County Chamber of Commerce, and member of the Virginia Western Community College Education Foundation Scholarship & Foundation Grants Committee.

Kathryn Wright
Kathryn Wright

Assistant Vice President 
Business Development Officer

Serving Augusta County and Surrounding Areas

Email Kathryn
O: 540.688.1003
F: 540.885.4633

Kathryn attended Virginia Tech, where she earned a B.S. in Dairy Science. She has experience in commercial agricultural lending. She currently resides in Staunton, but grew up on a family dairy farm in Vermont. Kathryn is very involved in the community including the Augusta Young Professionals Group, active in the Chamber, Augusta County Young Farmers Group, local 4-H and local FFA groups.