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A Message from our President:

Last year and currently, we are dealing with the most difficult economy in my history in banking, and that history spans over forty years.

We cannot change economic conditions; only continue to use wise and conservative banking practices to maintain a safe and sound institution.

We are grateful for the trust you place in our bank, and pledge to continue to maintain those same standards of safety and soundness that have kept us at the top of our peer group for over a hundred years.

Sincerely yours,

Salvatore Checho
President & CEO

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First Northern Bank & Trust | Fourth Street & Lafayette Avenue Palmerton, PA 18071

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