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Leadership Team

Almost a Century of Change...

Chartered on October 24, 1907 with a capital stock of $25,000, First Northern Bank & Trust officially opened for business on January 6, 1908. The Borough of Palmerton's first financial institution established its office in a small brick building on Delaware Avenue. In years to come, this same location would be home to the Palmerton Lighting Company and, more recently, a florist.

Responding to the the economic boom of the roaring 20's, the Bank expanded again in 1926, acquiring property and erecting a new building at Delaware Avenue and Fourth Street. The custom-designed facility was equipped with the most current equipment and conveniences, and was considered to be the "very latest" in modern banking construction.

Over the next few decades, First Northern Bank & Trust stood the test of time, surviving the uncertainty of the Depression and the trials of World War II. Then, on the heels of the 50's, came a resurgence of consumer confidence. Long-time bank employees took pride and pleasure in providing a broad range of services to the children and grand-children of their very first customers.

Along with disco and bell bottoms, the 70's introduced a focus on emerging technologies and planned growth strategies. Always in step with the times, the bank expanded and relocated in 1972, purchasing the former New Jersey Zinc - Horse Head Inn at the corner of Fourth Street and Lafayette Avenue. The Delaware Avenue property was then earmarked for community outreach and donated to the Palmerton Library Association.

Thanks to the loyalty of thousands of customers, First Northern Bank & Trust continues to grow and prosper in four of Northeastern Pennsylvania's most beautiful counties: Carbon, Lehigh, Monroe and Northampton. As our history proves, an unwavering commitment to providing quality financial services has played a critical role in our success. Originally born of the needs of a fledgling community, we have evolved into a rock-solid, caring, concerned citizen...interested and active in the current affairs of the communities we are privileged to serve. First Northern Bank & Trust, a sole subsidiary of Palm-Bancorp, Inc. (a unitary bank holding company), is a state chartered bank operating under the Office of the Federal Reserve.


  • Salvatore Checho -Co-CEO/Chairman of the Board
  • Anna Marie Checho - Corporate Secretary
  • Christopher Checho - Assistant Secretary
  • Frank Checho - President /Co-CEO/Vice Chairman
  • Faust Checho - Director
  • Raymond C. Rinaldi - Director
  • Raymond C. Rinaldi II -Director
  • William H. George - Director
  • Bonnie L. Paules - Assistant Secretary/Assistant Treasurer
  • Michael Harleman - Director
  • Albert Yesu - Treasurer/Director


  • Salvatore Checho - Co-CEO
  • Frank Checho - President/ Co-CEO
  • Michael R. Harleman - Executive Vice President
  • Bradley Browne - SVP, Head of Consumer Loan Department
  • Tiffany Cappuccino - VP, Mortgage Originator
  • Leo Castagnera - VP,Security Privacy BSA
  • Christopher Checho - VP, Administration
  • Faust Checho - VP, Administration
  • Susan Choy - VP, Residential Mortgage Lending
  • Ronald M Ciechanowski - VP, Deposit Operations Manager
  • Marlene Coffman - VP, Branch Administrator
  • Anne Davis-Shupp - VP, Marketing Director
  • Michael O. DePaulo - Sr. VP, COO/Chief Information Officer
  • Angela Fink - VP, Credit Analyst
  • Jason Geake - Sr. VP, Chief Administrative Officer
  • Zena Keller - Cluster Manager/VP
  • Brenda Kowalsky -  VP, Assistant Chief Financial Officer
  • Denise Krupa - VP, Consumer Lender
  • Todd Lakey - SVP, Chief Mortgage Officer
  • Jay H. Lowden - Chief Credit Officer
  • Donald A Nowalk Jr. - AVP, Collections Officer
  • Faith Orsulak, - VP, Loan Administrator
  • Bonnie L. Paules - Sr. VP, Asst. Corporate Secretary
  • Trisha Paules - VP, Senior Credit Analysis
  • Suzanne Perry - Portal Administrator/Information Security Officer
  • F.Jeffrey Reimer - VP, Commerical Lender
  • Kevin Reiner - VP, Commercial Lending
  • Anthony Rosencrance - Sr. VP, Commercial Lending
  • Carla Schmidt - AVP, Bookkeeping Supervisor
  • David Semmel - VP, Asst. Operations Officer
  • Melissa Serfass - VP, Assistant CFO/Investments and Accts. Payable
  • Debbie Silfies - AVP, Loan Closing Department Manager
  • Janene Smith - VP, Auditor
  • Donna Snyder - VP, Computer Systems Administrator
  • Richard Snyder - Sr. VP, Consumer Lending
  • Lori Solt - VP, Mortgage Originator
  • Richard Strauss - VP, Collections/WorkOut Offficer
  • Donna Thompson - AVP, Security Officer
  • Connie Visnosky - AVP Loan Operation Manager
  • Lisa Wentz - VP, Mortgage Orginator
  • Barry Wolfe - Sr. VP, Compliance Director and Investment Officer
  • Albert Yesu - Sr. VP, Chief Financial Officer
  • Joseph Zubia - VP, Commercial/SBA Loan Officer
  • Norman Zwolenik - VP, Training Director/HR Director
  • Joanne King - AVP, Branch Manager
  • Luanne Linares - AVP & Asst. Branch Manager
  • Lisa Saveri - VP & Branch Manager
  • Laurie Grady - VP & Branch Manager
  • Andrea McGuire - VP & Branch Manager
  • Kathleen Marrese - VP & Branch Manager
  • Alexander Santos - VP & Branch Manager
  • Donna L Frack - VP & Branch Manager
  • Mandy Pasquariello - VP & Branch Manager
  • Casey Gaugler - VP & Branch Manager
  • Donna Houser - VP & Branch Manager