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: Carvell, Peter – Brattleboro Savings & Loan Association
Bartolomei, Marino – TD Bank
Caldwell, Chris – Community National Bank
Christensen, Robert – Ledyard National Bank
Croft, Sandy – VEDA
Gundler, Zachary – Berkshire Bank
Lapierre, Chris – National Bank of Middlebury
Legacy, Kelley – The Bank of Bennington
Manahan, Danielle – Peoples Trust Company
Mazza, Susan – Small Business Administration
McDougal, Shannon – Bank of Burlington
McGowan, Joe – KeyBank
Morehouse, Kevin – Small Business Administration
Muise, Jon – USDA Rural Development
Pearson, Crystal – Wells River Savings Bank
Perry, John – Wells River Savings Bank
Pippin, Adam – Claremont Savings Bank
Plasse, Matthew – M&T Bank
Polhemus, Cassie – VEDA
Roberts, Jameson – NBT Bank
Ross, Timothy – Union Bank
Samson, Peter – VEDA
Seaver, David – Northfield Savings Bank
Smith, Philip C. – Bank of Burlington
Voisnek, Alycia – Passumpsic Bank
Whitehill, Roena – Passumpsic Bank
Yearman, Ken – USDA Rural Development
Zanleoni, Jay – Mascoma 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: Rathbun, Donna – Brattleboro Savings & Loan Association
Allen, Jenny – NBT Bank
Bacon, Risa – The Bank of Bennington
Cardinal, Michael – Bank of Burlington
Carter, Melanie – Passumpsic Bank
Churchill, Dawn – Claremont Savings Bank
Ebbighausen, Jay – Northeast Home Loan
Ehmann, Cynthia – The First National Bank of Orwell
Farr, Dylan – Wells River Savings Bank
Grimo, Gerald – Mascoma Bank
Hamilton, Donna – Passumpsic Bank
Hogan, Tricia – Union Bank
Ivers, Lorraine – Bar Harbor Bank & Trust
Jackson, Gail – Wells River Savings Bank
Kane, Time – Northfield Savings Bank
LaRocque, Janice – Peoples Trust Company
Marston, Dawnlynn – Mascoma Bank  
McLenithan, Shannon – The Bank of Bennington
Paul, Kelly – Community National Bank
Pearsons, Alison – Ledyard National Bank
Sickles, Christine – National Bank of Middlebury
Simons, Julia – Union Bank
Sirohi, Ashu – Mascoma Bank
Turgeon, Mindy – Mascoma Bank
Watson, Kara – Berkshire Bank
Williams, Lisa – Northfield Savings Bank
Wood, Beth – Bar Harbor Bank and Trust


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: Fernald, Susan – Ledyard National Bank
Baldasaro, Erika – Community Bank NA
Bean, Tonya – Wells River Savings Bank
Benware, Tony – Ledyard National Bank
Bickford, Kassandra – Northfield Savings Bank
Brown, Rachel – Peoples Trust Company
Bussiere, Lori – Northfield Savings Bank
Chapman, Heidi – Mascoma Bank
Clark, Jane – Community National Bank
Felion, Kylie – National Bank of Middlebury
Keefe, Kelly – KeyBank, NA
Kinney, Heather – The Bank of Bennington
Lewis-Berg, Sherie – Brattleboro Savings & Loan Association
Quirion, Anne – Community National Bank
Schartner, Joyce – Passumpsic Bank
Small, Abbie – Union Bank
Urnek-Chatlos, Julie – Wells River Savings Bank


Is designed to provide a forum for peer networking and discussion on best practices and innovation in bank training. The Committee will collaborate with VBA staff in determining educational platforms, offerings and methodologies. Our goal is to enhance individual VBA member banks in their ability to understand and keep abreast of the rapidly changing training and education needs of the industry.


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
Adams, Clayton – Mascoma Bank
Arango, Lori – People’s United Bank
Austin, Kathy – Community National Bank
Bixby, Elaine – Passumpsic Savings Bank
Bruyette, Carol – TD Bank
Carpenter, Caroline – National Bank of Middlebury
Dameron, Michael – TD Bank
Daniels, Phil – TD Bank
Gallagher, Thomas – Peoples Trust Company
Greene, Reggie – Claremont Savings Bank
Grip, Brian – Bank of America
Hodges, Timothy – People’s United Bank
Howe, Kenneth – Mascoma Bank
Kidder, William – Ledyard National Bank
Kimbell, Daniel – Passumpsic Financial Advisors
Kisch, Jim – Passumpsic Savings Bank
Pearsons, Alison – Ledyard National Bank
Pugliese, Christopher – Key Bank
Seaver, Michael – People’s United Bank
Silverman, David – Union Bank
Simard, Curtis – Bar Harbor Bank and Trust
Smith, Erin – TD Bank
Tartaglia, Robert – JP Morgan Chase
Tilghman, Frank – Wells River Savings Bank
Tryniski, Mark – Community Bank, NA
Werme, Dan – NBT Bank
Wilhite, Lorenzo – Wells River Savings Bank
Young, Mark S. – First National Bank of Orwell
Zeigler, Sharon – Bank of America


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: Cauller, Stacey – Peoples Trust Company
Austin-Hawley, Donna – Northfield Savings Bank
Brown, Lori – Mascoma Bank
Buckley, Elizabeth – The Bank of Bennington
Carlson, Melissa – Mascoma Bank
Coursen, Michele – Brattleboro Savings & Loan Association
DiPaola, Alison – Bar Harbor Bank & Trust
Gaines, Madeleine – Community Bank, NA
Graf, Barbara – Ledyard National Bank
Greene, Melissa – Union Bank
Jerome, Heather – National Bank of Middlebury
Nutter, Kristen – Wells River Savings Bank
Payne-Vilmont, Melissa – KeyBank, NA
Perry, Kimico – Community National Bank
Roper, Ginger – People’s United Bank
Svenson, Jennifer – Bar Harbor Bank & Trust


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: Schoenig, Vince – Union Bank
Bechanan, Chris – Passumpsic Bank
Beck, Jane M. – National Bank of Middlebury
Elmore, Michael – Peoples Trust Company
Entrott, Mike – Northfield Savings Bank
Gebo, Jennifer – National Bank of Middlebury
Grzankowski, Renee – VEDA
Guidera, Marcia – Northfield Savings Bank
Hebert, Ingrid – Mascoma Bank
Jennings, Michael – Ledyard National Bank
Knapp, Mary – Union Bank
Norris, Megan – National Bank of Middlebury
Perry, Daniel – Wells River 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: TBD
Campbell, Aly – Northfield Savings Bank
Cummings, Jay – Peoples Trust Company
Davis, Mariah – Mascoma Bank
Kelly, Cassie – Brattleboro Savings & Loan
Moulton, Cassie – Wells River Savings Bank
Nelson, Jed – Union Bank
Larrow, Sharlene – Peoples Trust Company
Pepin, Holly – Community National 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: Jewett, Lynne – Union Bank 
Allen, Terry – Wells River Savings Bank
Blackinton, Brandy – Claremont Savings Bank
Johnson, Penny – Community National Bank
Kendall, Steve – Union Bank
Long, Chelsea – Peoples Trust Company
Loring, Dawn – Northeast Home Loan
Piasecki, Amy – National Bank of Middlebury
Russell, Susan – Brattleboro Savings & Loan
Sargent, Gina – Northfield Savings Bank
Trombley, Tammy – The Bank of Bennington
Urnezis, Michael – Ledyard National Bank
Wells, Ken – Mascoma Bank
Wing, Lindsey – First National Bank of Orwell


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: O’Neill, Robert – Northfield Savings Bank
Begin, Peter – Mascoma Bank
Culver, Tom – Wells River Savings Bank
Dayton, Bliss – Ledyard National Bank
Dion, Ron – Union Bank
Finnemore, Kim- Mascoma Bank
Fraser, Lisa – TD Bank
Gombos, Danielle – People’s United Bank
Gray, Laurie – Community National Bank
Keiler, John – Brattleboro Savings and Loan Association
Martin, Christine – Northfield Savings Bank
Poirier, Lyle – Peoples Trust Company
Robinson, Jeanne – Berkshire Bank
Ruffner, Abbie – Passumpsic Bank
Sims, Kate – Ledyard National 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: Perrillo, Charles – Community Bank, NA
Buswell, Michelle – People’s United Advisors
George, Grady – Ledyard National Bank
Kimbell, Daniel – Passumpsic Financial Advisors
LaForest, David – Community Bank, NA
Maginnis, Gretchen – Union Bank
Nevel, Valerie – Ledyard National b
Nowell, Jeffrey – Mascoma Bank
Ross, Kelly – TD Bank