Pickaway County Banking Center Donates $25,000 to Circleville City Schools

Circleville Schools Donation (PCBC) 3-18

Pictured, from left, are Branch Manager Jessica Calder, Junior Sarah Moats, Senior Meghan Brooks, Junior Abigail Keaton and Vinton County National Bank Senior Vice President Jodi Motta.

The staff at our Pickaway County Banking Center was thrilled this week to donate $25,000 to the Circleville City Schools for a facilities expansion of their campus softball complex. Since becoming a part of the Pickaway County community in 2014, bank leaders have sought meaningful and lasting ways to contribute to the betterment of Circleville and Pickaway County. Investing in this sports complex will have a long lasting impact for scores of future student athletes in Circleville.

“We invest in the communities we serve,” said Branch Manager Jessica Calder. “That is one of our core values and something we live by each and every day as an organization and as individual employees. Schools are the foundation of our communities and therefore we know that an investment in Circleville City Schools is money well spent,” she said.

The funds will help with the completion of a new softball complex that will include four fields and a building to house concessions and bathrooms. It will be used by high school and middle school teams.

“Time and time again this community has stepped up to help us provide a high quality educational experience, in high quality facilities, for our greatest asset, our students,” said School Superintendent Jonathan Davis. “The Pickaway County Banking Center’s substantial donation is an endearing continuation of such community commitment to our students and I cannot thank them enough for their investment in our Tigers,” Davis said.

The Pickaway County Banking Center is located at 120 S. Court St. in downtown Circleville and recently underwent renovations to beautify the bank’s façade.


Lender Speak: Tips For Choosing A Contractor

You’ve picked out your building site, you have your house plans and you’re ready to build a home. Congratulations! You must be excited! New home construction is one of the most exciting projects that our lenders get to work on. It’s also one of the most complex and has potential to be frustrating. That’s where a seasoned lender and a good contractor come in. VCNB employs some smart lenders who have been in this line of work for a lot of years. Today, we asked a few of them to weigh in with their tips for choosing a good contractor.

“My best advice is to take your time and ask lots of questions. First, get an estimate from more than one contractor and look at their history. You want to use a contractor with a solid history and not someone doing their first job. Another important thing to do is to look at other jobs they have done.”
Fred Wright

Fred works at our VCNB Loan Production Office on Veterans Drive in Jackson.

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“Interview and meet with a lot of different builders. Look for a builder you will connect with and who you trust will meet your expectations.”
Donna Kopis

Donna works at our Friendly Bremen Banking Center on East Main Street in Lancaster.

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“Choosing the right builder is the biggest decision one will have to make when building a home. I suggest speaking with multiple builders. Then choose one you feel you can trust to build the home the way you want and in a timely manner. It is vital to choose the builder who communicates clearly with you.”
Chris Coryea

Chris works at our Canal Banking Center on Prentiss School Drive in Canal Winchester.

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“I have been fortunate to be involved in construction lending for nearly 20 yrs. Though customers may not realize it, a seasoned construction lender can help the process of building a home go smoother by helping them avoid common pitfalls and helping maintain the relationship between customer, lender, and contractor. Customers should be prepared to do a good deal of homework up front and that includes choosing the right contractor. The wrong contractor will make the project a nightmare very quickly and a struggle to complete. I encourage the customer to ask for references from the contractor and go look at some of their work including some projects that are in the process of being completed. Also, ask your lender about the contractor you are considering. If the lender is not familiar with the contractor, they will need to meet to make sure they are agreeable to our procedures. Those procedures are there for a reason and can help make sure we get a finished project. Ultimately, the customer and the bank are at risk until we get a finished project and neither of us want an unfinished home.”
Joe Risch

Joe works at our Pickaway County Banking Center on Court Street in Circleville.

Lender Speak: The Best Part Of Home Construction Lending

The VCNB Financial Family has some excellent, experienced lenders on staff. These folks have the privilege of working with customers to finance their dreams – their dream car, their dream kitchen, their dream home and a host of other projects that make life good. We talk a lot about what it’s like for the customer to finance a project with us but we don’t always stop and consider what it’s like for the lender.

Today, we’re asking some of our lenders about their favorite part of financing a home construction project! Here’s what they had to say!


“I love the excitement of it all. I love the excitement of the borrower once they know they are approved and the excitement of the borrower when the home is move in ready.”   Donna Kopis

Donna works at our Friendly Bremen Banking Center on East Main Street in Lancaster.



“The best thing is seeing a family’s dreams that started on a blueprint come true when they are given the keys to their new home. It’s a great feeling knowing we helped achieve their goal.”   Chris Coryea

Chris works at our Canal Banking Center on Prentiss School Drive in Canal Winchester.



“I like to see the excitement of the customers. It’s great helping them with their dream of building their own home and seeing that dream become reality.”    Fred Wright

Fred works at our VCNB Loan Production Office on Veterans Drive in Jackson.


“My favorite part of a construction loan is being able to help the customer fulfill a dream of building their very own home. The end result is very rewarding and helps mend the stress that it may have caused in the process. I enjoy seeing the different types of homes people build. Also, the process is very interesting – when it’s in the foundation/ framing stage it looks huge, then when drywall goes on it looks too small, then when it is painted and trimmed it gets bigger and usually just right. It’s a perception thing. As an owner, they may only build one or two homes in a lifetime. As a lender, we build several per year. It is this experience that can help both parties navigate through process and can also be rewarding knowing that you were instrumental in making it happen.”   Joe Risch

Joe works at our Pickaway County Banking Center on Court Street in Circleville.

VCNB Gives Back

Sunday was World Kindness Day and, as a community bank, we think that’s kind of a big deal. In fact, the idea of being good to our customers, employees and communities is something we embrace every day.

We try to be a good corporate citizen and to lead by example, supporting as many community functions as we can across all the communities where we do business. Since our footprint has expanded a lot during our 149 year lifetime, the area where we try to do good is also expanding. From as far south as our hometown in Vinton County up through Logan, Lancaster and Chillicothe to Grove City and all points in between, we donate money and time to countless community and school groups.

This year we expect to spend more than $220,000 in our local communities!

We also reward our employees for their volunteer efforts. In an average year, our employees collectively donate several hundred hours each year to organizations close to their hearts. Animal shelters, food pantries, school events and countless community events benefit from the generosity of our wonderful employees who like to help out where they can.

During the holidays we like to spotlight some local groups that need public support and give our customers the opportunity to help out as well. Throughout the month of November we’ll be collecting donations for the following:


Thanks to Dollar General of McArthur for kicking off their coat drive with a big donation of coats, hats and gloves for kids. Rachel Hoyt, Carol Faber and Heather Ramey are pictured with a few of those items!  

Vinton County National Bank in McArthur – Monetary donations will be collected for the Vinton County Local Schools Backpack Program. New and gently used coats, hats, scarves and gloves will also be accepted for kids in need in Vinton County schools.


Vinton County National Bank in Wilkesville – Monetary donations will be collected for the Vinton County Local Schools Backpack Program.

Hocking Hills Banking Center in Logan – Monetary and donations of items will be collected for the Hocking County Humane Society. Click here for more info. 

Salt Creek Banking Center in Laurelville – Monetary donations will be collected for the local Backpack Program.

Ross County Banking Centers in Chillicothe – Monetary donations will be collected for the Good Sam Food Pantry.

Ross County Banking Center in Richmond Dale – Monetary donations will be collected for the Mission Family Ministries and Goshen Run.

Pickaway County Banking Center in Circleville – Monetary donations will be collected for Emergency Clearing House Association of Pickaway County.

Pickaway County Banking Center in Ashville – Monetary donations will be collected for local Backpack Program.

Pickaway County Banking Center in Commercial Point – Bank will purchase canned goods for a local church at Thanksgiving and will also participate in Secret Santa at the church.

Friendly Bremen Banking Centers in Lancaster and Bremen – Monetary and non-perishable food donations will be collected for local food pantries.

Friendly Bremen Banking Center in Pataskala – Monetary donations will be collected for a local food pantry.

Canal Banking Center in Canal Winchester – Bank will accept monetary donations for the Canal Winchester Food Pantry.

Franklin County Banking Center in Grove City – Bank will accept monetary donations and packages of new men’s and women’s socks for Socks For Soldiers.


If you’re in the area and would like to help out a local organization, we hope you will stop by a branch and make a donation. The bank will also contribute funds to each of the organizations we are spotlighting this holiday season.  All of these collection efforts are for good causes and we are excited to help them!


Small Business Spotlight: Mighty Voice Printing Apparel & Graphics

Being a small business owner is a tough job. That’s why we spotlight a different business each month to help you learn about unique businesses in your own back yard.

Chad and Michelle Noggle are lifelong residents of Ashville, Ohio.  They have busy full time careers they love but when an opportunity arose last year to purchase a ten year old existing business, they decided to take a leap of faith.

The Noggles took over the business last November and renamed it Mighty Voice Printing Apparel & Graphics. The business offers an array of services including direct to garment, vinyl, screen printing, yard signs, banners, trophies, plaques, awards, and even car magnets.  What they believe really makes them stand out from other like businesses is their ability to do custom work.  This work is no easy feat with custom shirts averaging about four hours of work for one design.  Using programs like Corel and Illustrator the Noggles can recreate ideas that customers see on social media outlets such as Pinterest.   “We will take your idea and create the art,” Chad said.


Michelle and Chad Noggle stand with some of the ready made merchandise available in their store.

With no prior knowledge in this type of business, they encountered an early learning curve.  But the self-proclaimed novices are quickly perfecting their craft as they go and say the business has grown rapidly in just under a year, now employing a manager, an outside sales agent, and freelance graphic designers. They are constantly working with the local schools to design custom shirts for the football student sections and they sell those shirts at a deep discount to students.  They also keep a stock of ready-made items in their shop at 286 Long Street in Ashville.

Customers generally learn of the business by word of mouth and often come from as far as an hour away for their services but they welcome business from anywhere.

For more information contact them at 740.983.3069, email mvpapparelandgraphics@yahoo.com , visit them on Facebook or stop in their store at 286 Long Street, Ashville.

Pack An Extra Form Of Payment

If you’re planning a vacation this summer, you’re probably eager to pack your bags and hit the road. But before you go, there’s one more thing to pack – one or two extra forms of payment.

We know that you love your plastic and we swipe our debit and credit cards more today than ever before.  After all, it’s quick and easy, it’s safer than carrying a lot of cash and, if you’re a VCNB customer using Rewards Checking or our Platinum Visa© Card, you earn UChoose® Rewards Points on purchases.

PrintUnfortunately, plastic is not always foolproof. While most businesses accept credit and debit cards, some mom and pop establishments, festivals and farmer’s markets are not equipped to do so. Also, technology is imperfect and occasionally even major retailers experience a hiccup that prevents them from accepting cards.

Also, with the increased use in debit and credit card usage has come an increase in the amount of fraudulent activity related to cards. That’s why we have a great Fraud Department here at VCNB to monitor your activity round the clock. If we see something that is clearly fraudulent or that looks suspicious, we will place restrictions on your card and then give you a call to confirm that you are actually making those purchases. This is meant to protect you and your money but can sometimes cause an inconvenience for the customer.

We occasionally have customers who are on vacation, spending outside their regular pattern of activity, who will be flagged by the Fraud Department. If you can confirm that it’s really you spending your money, the restrictions will be released and you can go about your vacation. If it’s not you, we will shut down your card to prevent future fraudulent activity and take actions to get you a new card. If that’s the case, you will need another way to pay.

There are many options for a second or third form of payment. If you plan to pay primarily with debit, take along a credit card and some cash too. If your primary payment is going to be credit, a second credit or debit card and some cash might come in handy.

Here at VCNB, we offer credit cards as well as a Reloadable Travel Card. You can use it to make purchases anywhere worldwide that Mastercard© is accepted. It costs $5.99 to purchase but we are waving this fee through the end of July. The Travel Card and other reloadable/gift cards are available in any VCNB branch. Click here to learn more. 

And, of course, cash is still accepted almost everywhere.

By the way, if you’re planning to travel, take a minute and give us a call. If we know you’re out of state or out of the country, you’ll be less likely to experience a disruption in service. Also be sure to give us your mobile phone number. If our Fraud Department does need to reach you, you don’t want them calling your home when your card is being rejected in a restaurant far from home.




Small Business Spotlight: Bella Zari Hair Studio and Day Spa


Bella Zari Hair Studio and Day Spa is located at 112 South Court Street in downtown Circleville.

Nestled in charming downtown Circleville Ohio is a spa experience unlike any other. Bella Zari Hair Studio and Day Spa is a full service salon that offers clients a peaceful, relaxing experience in an ever hectic world.
Owner operator Mindy Verito attended Paint Valley High School and friends there would remember her as Mindy Yoe. After high school she attended Shawnee State University for Business Management and while finishing her degree also attended Cincinnati School of Medical Massage. After working in a couple of spas in Columbus, and even a hospital, she now uses her education and experience to run Bella Zari and act as their Licensed Massage Therapist.

Bella Zari has an array of offerings for clients. Hair Services are provided by the stylist of your choice and can be performed on men, women, and children. Cuts, colors, and waxing can be done by all stylists but each one has a specialty including color and certain types of cuts.

Clients with a special event like a school dance or wedding may wish to book both a special event hairstyle and makeup. Makeup can be natural and simple or full glamour with false lashes and everywhere in between. Massages make up another portion of the salon and range in length from 30-90 minutes. Hot stone, deep tissue and even maternity massages are available and customizing is always an option. Manicures and pedicures round out the list of services offered and can be anywhere from basic polishes to gel nails.


Regal colors and lots of shimmer adorn the Spunk and Sparkle area inside Bella Zari. 

Verito says that what really sets Bella Zari apart from other full service salons is a portion of the business called Spunk and Sparkle. Spunk and Sparkle is a spa experience geared toward girls 12 and under. The idea is kid approved by Verito’s seven year old daughter Layla, but if you ask Layla, she’ll take the credit for the concept.

The menu of offerings ranges from hair, nails, and makeup to chocolate facials. Packages can be purchased to treat someone to a special day or for a fun Mommy and Me activity. The salon can also be rented out for parties with up to ten girls. Who doesn’t need a bit more sparkle in their life?

To see the full range of services offered at Bella Zari Hair Studio and Day Spa visit www.bellazari.com/ or find them on Facebook.  Verito welcomes guests to stop in their salon at 122 South Court Street in Circleville.

Small Business Spotlight: Ashville Apothecary

We understand that being a small business owner is tough. That’s why we plan to spotlight a different business each month to help you learn about unique businesses in your own back yard.

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Like Family. That’s how you’ll be treated when you are in the Ashville Apothecary. The family owned and operated business has a reputation for personal service that can only be found in a hometown apothecary.

Bob and Melissa Mabe opened the store in 1979 and have grown the business to two locations since. They pride themselves on serving customers by name and that service is what has kept families as patrons for generations. Bob is a 1971 graduate of Ohio Northern University and acts as the chief compounding pharmacist and Melissa runs the retail side of the store. Their son Stephen is also a graduate of Ohio Northern University and works alongside his parents as a staff pharmacist while he learns the family business.

Located on State Route 752 in Ashville, the Ashville Apothecary is a unique combination of retail store and service provider. Cards, gifts, medical supplies and over-the-counter medications are just a few of the products available in the state-of-the-art new facility the Mabes moved their business to in 2014.

Entering the building you notice an open atmosphere, clean stocked shelves, and a welcoming pharmacy counter. A beautiful stained glass door and display window on the left wall leads to a unique feature: a pharmacy museum. The museum contains artifacts collected by the Mabes over the years. Bottles, records, and medical relics that fill the museum shelves date back to the Civil War.

The Ashville Apothecary offers many services beyond filling your prescriptions. They specialize in medication therapy management and the synchronization of medications. This means that they go the extra mile to set up multiple prescription refills to be filled at the same time, saving you multiple trips to the store. Immunizations are available in store as well as veterinarian compounding, and specialty compounded products.

For more information on the Ashville Apothecary, visit their website or find them on Facebook.

Why We’re Thankful: Part Two

Norman Vincent Peale said that “the more you practice the art of thankfulness, the more you have to be thankful for.” In that spirit, we are asking our employees what they’re thankful for this Thanksgiving week. We are featuring some of their responses before Thanksgiving. Here’s the second one.

Ben Reynolds believes with all his heart that he is a blessed man. A Commercial Lender for our Pickaway County Banking Center in Circleville, Reynolds says that he and his family have a lot to be thankful for this Thanksgiving.

He is a newlywed. In October he married Heather, his sweetheart of eight years. Together, they have six grown children. Their two youngest kids are in college while their oldest recently graduated medical school and is training to be a cardiologist. One daughter has a successful career in banking while another was married last year. One daughter has struggled with health issues this year but seems to be stable and is hopeful for the future.

“I am blessed to have a loving, wonderful family, kids who are doing well, five beautiful grandchildren and a new wife. I’m just thankful that I’m healthy and that everyone in my family is fine,” Reynolds said. “Really, I could go on and on about all the things that I’m thankful for this year.”

He confessed there is one more member of the family that he is thankful for every day. She’s a two year old ball of fur named Izzy who makes Reynolds smile. “She always makes my day,” he explained with a laugh.

While family is most important to Reynolds, he observed that there are more things that that are also vital to his livelihood and well being. “I’m thankful for a good job and people to work with. I’m thankful and fortunate to live in this country and for the veterans who have sacrificed for us,” he said. “More than anything, I’m grateful for the life I have and for my relationship with God. I am a Christian and God has provided for me and my family. I have a lot to be thankful for this year and every year.”






Have You Met Our Ashville Staff?

Have you met our Ashville staff? They would love to meet you! Stop by our office on Main Street in Ashville and say hello!

Jenny Rainey, Melissa Wietelmann, Danielle Robinson, Debbie Mogan, Marti Gray and Kati Maple observed Breast Cancer Awareness Month.

Jenny Rainey, Melissa Wietelmann, Danielle Robinson, Debbie Mogan, Marti Gray and Kati Maple are decked out in pink for Breast Cancer Awareness Month.

Credit Analyst Karen Householder takes a break from reviewing loan files to pose for a picture.

Credit Analyst Karen Householder takes a break from reviewing loan files to pose for a picture.

Teller Marti Gray works hard to provide excellent customer service in the drive-thru.

Teller Marti Gray works hard to provide excellent customer service in the drive-thru.

Branch Service Manager Melissa Wietelmann assists a customer with his banking needs.

Branch Service Manager Melissa Wietelmann assists a customer with his banking needs.