Events and Education

VBA Committees




This committee is responsible for: (1) suggesting changes in law and regulation affecting commercial lending ‑ both on the state and federal level, (2) developing programs to enhance commercial lending skills and techniques among members, (3) identifying important trends and issues affecting commercial lending in Vermont, and communicating these matters to the leadership of the Association and the members, and (4) in general, representing the Association in the field of commercial lending.

Chair: Cicio, Megan - Northfield Savings Bank
Achmoody, Jason - Ledyard National Bank
Bartolomei, Marino - TD Bank
Bronson, Tim - Community National Bank
Chamberlain, Brendan - Lake Sunapee Bank
Dube, Elden - Mascoma Savings Bank
Gould, Jonathan - Union Bank
Lapierre, Chris - National Bank of Middlebury
Ledoux, Carissa - Peoples Trust Company
Legacy, Kelley - The Bank of Bennington
Nourse, David - People's United Bank
Pippin, Adam - Wells River Savings Bank
Robitaille, Mat - KeyBank
Roy, Rob - NBT Bank
Smith, Philip C. - Bank of America
Thompson, Denise - Berkshire Bank    
Whitehill, Roena - Passumpsic Savings Bank       



The Compliance Committee is responsible for increasing knowledge and awareness of compliance issues within the Vermont banking community. This committee is concerned with the financial institution's total compliance posture and will coordinate and augment the compliance efforts of other VBA committees from a more global perspective of regulatory management.

The committee will disseminate information independently or in conjunction with other VBA committees. The committee will also suggest changes in legislation through the VBA Government Relations Committee.

The committee will serve as a forum for the exchange of ideas, knowledge and experience in regulatory management. It will also serve as a "think tank" and will present workshops on issues of current concern in local and national arenas.

Chair:  Paul, Kelly - Community National Bank
Bacon, Risa -  The Bank of Bennington
Beaumont, Julie - Lake Sunapee Bank
Bruce, Alison - Ledyard National Bank
Castagna, Ellie - Berkshire Bank
Ebbighausen, Jay - Northeast Home Loan
Ehmann, Cynthia - First National Bank of Orwell
Gonyaw, David - Wells River Savings Bank
Grimo, Gerald - Mascoma Savings Bank
Hamilton, Donna - Passumpsic Savings Bank
Hogan, Tricia - Union Bank
Houchens, Cheryl - Merchants Bank
LaBonte, Maureen - Mascoma Savings Bank
LaRocque, Janice - Peoples Trust Company                
LeBlanc, Linda - Peoples Trust Company
Maxham, Anne - Northfield Savings Bank
McLenithan, Shannon - The Bank of Bennington
Morton, Richard - Brattleboro Savings & Loan Association
Neun, Melissa - Northfield Savings Bank



This committee is responsible for deposit and bank operations.  It may sponsor conferences on current developments as well as suggest any changes in laws and regulations affecting deposit services.

Chair:  Jerome, Heather - National Bank of Middlebury
Bergeron, Amy - Merchants Bank
Brown, Rachel - Peoples Trust Company
Bussiere, Lori - Northfield Savings Bank
Clark, Jane - Community National Bank
Fernald, Sue - Lake Sunapee Bank
Finnemore, Kim - Mascoma Savings Bank
Kinney, Heather - The Bank of Bennington
Prior, Brad - Union Bank
Reid, Midge - Wells River Savings Bank
Schartner, Joyce - Passumpsic Savings Bank
Trottier, Gail - Ledyard National Bank


The Government Relations Committee represents the Association and Vermont financial institutions in legislative and regulatory affairs. All questions in these areas will be referred to this committee. 

This committee may seek legislation or take a position favorable or in opposition to proposed laws or regulations affecting banking. Caution is exercised by the committee in taking positions and should be taken only after consulting with the President of the Association or the Executive Council. This committee, as all the committees, represents the interest of all Vermont banking. Other committees may suggest needed legislation to the committee for action. 

Close contact with the Vermont Commissioner of Banking on matters of legislation and regulation is also an important function of the committee.  Periodic meetings with the Commissioner and his/her staff will be held as needed, for the purpose of promoting good communication and providing a sounding board for ideas or for problems within the industry. 

Chair: Yates, Dan - Brattleboro Savings & Loan Association 
Austin, Kathy - Community National Bank
Bixby, Elaine - Passumpsic Savings Bank
Carelli, Joseph - Citizens Bank          
Carpenter, Caroline - National Bank of Middlebury
Frisch, Rebecca - TD Bank      
Gallagher, Thomas - Peoples Trust Company 
Grip, Brian - Bank of America 
Hodges, Timothy - People’s United Bank
Howe, Kenneth - Mascoma Savings Bank
Kidder, Bill - Ledyard National Bank
Kimbell, Daniel - Passumpsic Savings Bank
Lynch, Karen - Lake Sunapee Bank
Prentice, F. Sheldon - NBT Bank 
Pugliese, Christopher - KeyCorp 
Seaver, Michael - People’s United Bank 
Silverman, David - Union Bank 
Tartaglia, Robert - JP Morgan Chase  
Tilghman, Frank - Wells River Savings Bank 
Young, Mark S. - First National Bank of Orwell


This committee is organized to establish and maintain among the human resource officers within the Association, the highest level of awareness and professionalism when addressing current human resource management issues and concerns; assist Vermont bankers regarding equal employment and affirmative action; establish personnel communications within the Association; to work in conjunction with other committees or general  VBA training programs; and to maintain records on pay practices within the state. The committee may sponsor seminars on personnel matters. 

Chair:  Perry, Kimico - Community National Bank
Austin-Hawley, Donna - Northfield Savings Bank
Boyarsky, Kim - Merchants Bank
Brown, Lori - Mascoma Savings Bank
Cauller, Stacey - Peoples Trust Company
Coslett, Jeff - Union Bank
Coursen, Michele - Brattleboro Savings & Loan Association
Darling, Gayle - Wells River Savings Bank
Graf, Barbara -  Ledyard National Bank
Hallett, Robbie - Passumpsic Savings Bank
Prosper, Lisa - The Bank of Bennington
Roper, Ginger - People’s United Bank
Trombley, Sandra - National Bank of Middlebury
Widger, Beverly - Mascoma Savings Bank 



This committee is charged with considering current and emerging issues in information systems and technology and to sponsor conferences and seminars on related topics. 

Chair: Brisson, Dave - Wells River Savings Bank
Chris Bechanan - Passumpsic Savings Bank
Beck, Jane M. - National Bank of Middlebury
Eaton, Perry - Mascoma Savings Bank     
Elmore, Michael - Peoples Trust Company
Gebo, Jennifer - National Bank of Middlebury
Jennings, Michael - Ledyard National Bank
Lambert, France - Community National Bank
Morton, Tyler - The Bank of Bennington
Nelson, Rick - Northfield Savings Bank
Sargent, Tim - Northfield Savings Bank


This Committee is responsible for marketing and public relations efforts sponsored by the Association. The Committee will in no way compete or replace any of the individual marketing efforts currently organized by individual institutions. The purpose of the Committee is to develop and implement strategies and programs that will create awareness about the banking community, educate individuals about our activities, respond to media, engage in legislative outreach, focus on financial literacy and other activities designed to present a favorable public image for all banks.

Chair: Pause, Samantha - Mascoma Savings Bank
Cummings, Jay - Peoples Trust Company
Larrow, Sharlene - Peoples Trust Company
Quirion, Anne - Community National Bank
Starr, Brandie - Brattleboro Savings & Loan Association
Wagner, Ellen - Northfield Savings Bank                 



This committee is responsible for real estate financing and related consumer affairs. It may sponsor conferences on current developments in those areas.

The committee is responsible for: (1) suggesting changes in law and regulation affecting mortgage lending ‑ both on the state and federal level, (2) developing programs to enhance mortgage lending skills and techniques among members, (3) identifying important trends and issues affecting mortgage lending in Vermont, and communicate these matters to the leadership of the Association and the members, and (4) in general, represent the Association in the field of mortgage lending.

Chair: Kendall, Steve - Union Bank
Dearborn, Mia - Brattleboro Savings & Loan Association
Dupont, Anita - Lake Sunapee Bank
Grzanna, Tracey - Ledyard National Bank
Johnson, Penny - Community National Bank
Lewis, Sara - Mascoma Savings Bank
Longe, Chelsea - Peoples Trust Company
Loring, Dawn - Northeast Home Loan
McLaughlin, Meaghan - National Bank of Middlebury
Mitchell, Christie - Merchants Bank
Russell, Roxanne - Wells River Savings Bank
Russell, Susan - Brattleboro Savings & Loan Association
Sargent, Gina - Northfield Savings Bank
Sherman, Sue - Lake Sunapee Bank
Wing, Lindsey - First National Bank of Orwell
Wood, Maegan - The Bank of Bennington
Yanke, Barbara - People’s United Bank



This committee is responsible for developing an awareness for bank security both physical and white collar, and should be a forum for continued strengthening of security functions and compliance and develop programs and seminars to advance the security of the member banks.

Chair: Dion, Ron - Union Bank
Begin, Peter - Mascoma Savings Bank
Callahan, Walt - The Bank of Bennington
Culver, Tom - Wells River Savings Bank
Fisher, Dale - Peoples Trust Company
Fraser, Lisa - TD Bank
Kristiansen, Karen- Community National Bank
Martin, Christine - Northfield Savings Bank
O’Neill, Robert - Merchants Bank
Pickup, Tina - Berkshire Bank
Ruffner, Abbie - Passumpsic Savings Bank
Wagner, Christine - National Bank of Middlebury


This committee is concerned in areas involved in settling estates, administering trust and guardianships and handling agencies in appropriate cases for individuals, business organizations and municipal and state governments as well as public, educational, social, recreational and charitable foundations and institutions.

The committee may sponsor or co‑sponsor a state‑wide conference(s) each year on the current developments in trust services. The committee is responsible for: (1) suggesting changes in law and regulation affecting trust services and operations ‑ both on the state and federal level, (2) identifying important trends and issues affecting trust services in Vermont, and communicating these matters to the leadership of the Association and the members, and (3) in general, represent the Association in the field of trust services.


Chair: Nowell, Jeffrey - People’s United Bank
Chase, Lynette - Merchants Trust Company
Dee, Leslie - Merchants Trust Company
George, Grady - Ledyard National Bank
Jacques, Lura - Union Bank
Kimbell, Daniel - Passumpsic Savings Bank
Smith, Paul R. - TD Bank