Small Business Spotlight: The Willis-James

Being a small business owner is a tough job! That’s why we feature a different small business in our Small Business Spotlight every month. Today we learn about an exciting renovation happening in historic Chillicothe.

The phrase “if walls could talk” may sound cliché but that’s the focus of a big renovation happening now at a historic home in Chillicothe. The early nineteenth century era home is being transformed into a boutique bed and breakfast named for two prominent former residents. Now known as The Willis-James, the 6,000 square foot home is expected to provide guests with an experience that fuses old traditions with sophisticated hospitality.

Owners Drew Musser and Steph Moore have an extensive plan and a vision to honor the heritage of the home while giving their guests an exceptional, memorable stay.

What’s so special about this house?

Everything.

From the pocket doors to the eleven fireplaces to the history of the people who lived there, the Federal/Greek Revival house and its story could fill a book.  That story begins with Nathaniel Willis who was an apprentice in Benjamin Franklin’s printing office in Boston. He started his own newspaper, participated in the Boston Tea Party and was a veteran of the Revolutionary War all before journeying to the Northwest Territory and this new town called Chillicothe. When Willis arrived in 1797, the town had been laid out only the year before.

Here, he started the first newspaper in the Northwest Territory, securing his status in the area as a contemporary and friend of prominent men in Ohio history including Ohio’s sixth governor Thomas Worthington. The Scioto Gazette would go on to operate for 110 years, becoming the oldest continuously operating newspaper in Ohio.

Willis built the original house in 1805. The home changed hands over the centuries with each new owner expanding the home, improving and leaving their own mark. One such owner was Thomas James who is known as the “Father of the Western Iron Industry” for the work he did in constructing iron forges throughout southern Ohio and Missouri. The city of St. James, Missouri is named in his honor.

The house also was held by Eleanor Tiffin and Matthew Cook. She was the daughter of Ohio’s first governor Edward Tiffin. The home remained with Tiffin descendants for more than a century.

Drew can weave together the entire narrative of the people who called this place home and the influences they had on the house. As they have worked on the home for nearly two years, they have found where it has been added on to and uncovered interesting details like a large painted archway first thought to be wood that’s actually stone.

Long forgotten artifacts help to tell the stories of former inhabitants including Wesley Claypool whose labeled vest was found beneath attic floor boards.

While they are honoring the integrity of this home’s history, they intend to blend in 21st century amenities aimed at appealing to the modern guest. Each room will have its own thermostat, a king or queen bed fitted with high quality linens, slippers and robes. Each room will have a luxurious new bathroom fit for royalty complete with a walk-in shower and a comfortable tub for a long soak.

In all, the house has five guest rooms including one ADA accessible guest room on the main level and a two-room suite upstairs.

Guests will find nooks and crannies in common areas throughout the house where they might linger to relax and unwind. For example, just beyond the breakfast room, a greenhouse or orangery as it was once called will be at the ready for anyone wishing to sit with a book and a glass of wine. “There will be lots of spaces to relax and to make you just want to hang for a while,” Steph explained. “We want people to feel welcome to make this house their home during their stay,” she said.

Yet, they also want guests to explore the best that Chillicothe and the surrounding area have to offer. They are focused on helping guests discover the experiences that will make their stay special. Whether it be an in-room massage or help locating the best hiking trail, the hope is to create an authentic experience that allows guests to feel like they are the first to discover the amazing qualities that make the area special.

They intend to bring in local products such as Rost Coffee, local produce and Amish baked goods to provide guests with a taste of the area as well.

The property boasts a carriage house that will provide space for public rental. The board room table for twelve can be removed for small social gatherings and events. An ADA accessible restroom and kitchenette will be available for comfort and convenience. The upstairs of the carriage house will be Steph and Drew’s new home. As primary caretakers, the couple will provide top notch daily housekeeping services and home cooked breakfasts.

The couple do know a thing or two about hospitality. They are avid travelers who love the bed and breakfast experience. They have lived and worked in resort communities like Vail, Colorado and Santa Barbara California throughout their married life. She has been in the luxury boutique hospitality business for the last 28 years and has specialized in operations, finance and business development.

“It’s one thing to work hard for someone else’s dreams but it’s so meaningful to get to work on your own dreams and visions,” Steph said.

Drew is a Chillicothe native and Chillicothe High School graduate. The Ohio State University graduate has been an elementary school educator for the last several years. His local roots run deep and he has family in the area. “We love to travel and always go to bed and breakfasts but we also love to be home and to cook, to be surrounded by people,” Drew said.  “There’s always room for one more! The more the merrier” Steph exclaimed!

“We want to give the traveler somewhere nice, somewhere special to stay and we want to give Chillicothe something to be proud of,” Drew said. “We want to honor the history and the integrity of the house and the town, but still give guests the comforts they appreciate. We want to be a part of the town’s story.”

These images show parts of the Willis-James in various stages of restoration and construction.

While The Willis-James is still under construction, they will be ready to host guests during the Christmas Tour of Historic Homes on December 11-12.

What Do Our Lenders Wish Customers Knew About Home Loans?

Building or buying a home can be stressful. There are countless decisions to be made and processes to follow that customers typically don’t experience often. That’s why it’s important to have an experienced banker who can show you the way. We asked some of our experienced lenders what they want customers to know prior to financing a home.

Mortgage Loan Officer Brooke Adams works at our Ross County Banking Center in Chillicothe where she provides borrowers with a checklist of items she will need to start their loan application.

She pointed out that there are many moving parts and pieces of any mortgage or construction loan process at the bank as well as through other individuals including appraisers, surveyors and the title company. Working within their individual timelines can create some challenges. “Each person involved in the many steps of the process have the same goal  –  to help the person close on their loan. However, in this big mortgage boom, we all have to be patient with turn-around times.”

Chad Meadows, a Mortgage Loan Officer at our Friendly Banking Center in Lancaster spoke specifically about the effort involved in building a home. “It’s always a pleasure to help customers realize their dream of building a home which will probably be their largest investment within their lifetime,” he said.

He suggests that customers speak with a lender prior to meeting with a builder to insure they are setting realistic financial expectations. “Realizing this dream and making it a reality requires coanstant communications between the homeowner, builder and lender. The continuity of this team is paramount for a successful project. It is most helpful to speak with a lender prior to meeting with the builder to accomplish realistic financial goals from the start.”

He elaborated on why this is important. “Items such as property taxes, insurance and monthly mortgage payments are a necessity to set realistic expectations for their dream home. This also helps the builder to save time and resources to effectively initiate the project on the right path. Accomplishing these few objectives in the beginning along with the team communicating consistently will make for a smooth and effortless construction project.”

Salt Creek Banking Center Senior Retail Lender Doug DeLong said that there is never a perfect time to take the leap but that there are practical reasons that make this the right time. “I would tell customers that now’s the time to do it! Rates have literally never been lower. With the costs of construction materials pretty high right now, the customer can more than make up for it with the extremely low interest rates.”

Still not sure if you’re ready to take the first step toward buying or building your next home?  Our lenders will be happy to answer your questions. “It is pure joy at the end of the day to watch a borrower achieve the dream of owning a home or buy that next home to grow their family.” Adams said.

Contact our Customer Service team at 1.800.542.5004 or contact a lender close to you!  

Your Dreams Matter To Us

At Vinton County National Bank, we have spent over 150 years helping customers reach for their dreams. It’s actually our favorite thing to do.

There’s nothing more fulfilling than helping a young person buy their first home, a family take their dream vacation, or to see eyes light up when a customer realizes their dream home is within reach.

But dreams can be lofty and it’s not always easy for individuals to know where to start. That’s ok because we have experienced, proven lenders who not only know where to start but who can also guide you down the road ahead.

There are few dreams bigger than building a house. Most customers have a floor plan, they have a vision of a big kitchen with a farm sink or a living room with just the right spot for the Christmas tree. Few are experienced with choosing a contractor or the hiccups that come with every home built.

We will guide you through this process because your dreams matter to us.

Ready to build? Now is a great time to start! Visit VCNBConstruction.com to get started.

Kim Carpenter Will Retire Friday

Kim Carpenter has spent her entire career in banking and it shows. The drive thru window teller will retire Friday from her post at Ross County Banking Center on Main Street in Chillicothe after spending years developing a loyal following of customers.

Customers know Kim as the friendly woman who remembers how they like their change and who knows the names of all their dogs. What some may not realize is that she hasn’t always worked in a customer facing job. She actually started out in the operations department of a bank in Homestead, Florida at the age of 17. “When I was a high school senior, I went to school in the morning and went home for lunch. Then I would go to the bank where I worked part time in bookkeeping. I loved that job.”

Kim Carpenter will retire this week after 22 years at Ross County Banking Center in Chillicothe.

After graduation, she got married and went full time at the bank before eventually taking time off to have children. “I tried to go back to work after my first son was born but I kept hearing about his firsts from other people and I didn’t want to hear about those things. I wanted to be there to see him grow up.”

By the time she returned to the workforce in the early eighties, a lot had changed. She recalled being assigned to use a computer for the first time. “I had been there a while and thought I was doing a good job but one day this message popped up that my password was going to expire and I thought that meant I was being fired,” she laughed. “I worried about that for two days before I worked up the nerve to ask someone about it. They got a big laugh out of it because it’s just standard procedure in a bank. But I didn’t know! I hadn’t worked with computers before!”

In 1995, her sons were grown, she was divorced and had an opportunity to return to Ohio. Her family had moved to Florida when she was in the first grade but her heart remained in the Buckeye state. In fact, she fondly recalls childhood summers spent visiting her grandparents’ farm where they raised crops and animals. “I looked forward to it all year. It was old school farm life and I think that’s where I really learned to love animals. I got that from my grandparents.”

After coming back to Ohio, she briefly worked another job before returning to her banking roots, this time as a teller. And the rest, as they say, is history.

“I had never worked as a teller or with customers so I really didn’t know if I could do it but I’m so glad that I came here.”

Starting part time, she quickly was offered a full time position and eventually moved to the drive thru window where she has stayed for about 18 of the 22 years she has been with the bank.

Here she has gotten to know customers from a different perspective. “The drive thru is different than meeting people at the teller window. You see a little bit into their world. You see their kids grow up in the backseat, meet their dogs. I‘ve been offered opportunities to do other things but really love working the drive thru and didn’t want to leave.”

She recalls how children who loved getting suckers when they came through with their parents are now adults bringing their own little ones to the bank. One little girl didn’t want her mom to even stop at the bank “unless my Kim is working” –she still banks with Kim as an adult.

While Kim loves her work, she looks forward to having free time to spend as she wishes. “I want to just be home, to take care of things I’ve been putting off because I’m busy. And I want to have more time with my animals,” she explained.

In fact, Kim’s eyes light up when she talks about her animals like her little dog Mandee, a pony named KT and a host of others including chickens, cats and goats. She and her husband Jeff have a small farm complete with a garden that she looks forward to working in more. “I love being outdoors. If I’m home, I’m not in front of the tv. I’m outside with the animals or mowing – there’s always something!” she said. “We like going to auctions and yard sales on the weekends so it will be nice to get things done during the week and not feel bad about going out to have fun on the weekends.”

Kim and Jeff have been married for almost 23 years. She has two sons, four stepchildren and five grandchildren. She soon will be a great grandmother.

Her last day of work will be Friday. “I will miss my customers and I’ll miss a lot of coworkers too,” she said. “The people here are so nice, so friendly. I will miss that aspect but I think this is a good time to go and I’m looking forward to my freedom.”

In Their Own Words: Community Banking According To Our Branch Managers

We are proud to be a community bank. What does it really mean to be a community bank? We asked some of our branch managers to tell us in their own words what community banking means to them and what they like best about being a community banker. Here’s what they had to say!

“One of the things I appreciate about working for a community bank is that we get to know our customers and their unique needs. Growing up on a farm, I understand a farmer’s business and their needs. They don’t have to explain their life and the challenges to me the way they would to someone without that background.”

Katy Hanes

“I like being able to get to know my customers and I think they appreciate the personal touch they get from us. That’s not something that’s encouraged or even possible at big banks so it feels really good to offer it here.”

Matt Hearn

“One thing I really like about VCNB is that they encourage us to get involved in the community, they reward us for volunteering and they want us to know our customers.         I never had that before at my old job.”

Christina Wine

“The thing about working in a bank in a small community is that you get to know almost everyone and they get to know you. It feels good when someone calls and asks for you. It tells you that that you’re doing something right – that you’ve built a relationship with that person and that they trust you to take care of them.”

Charlotte McCarty

“It’s going to sound cheesy but I love helping people, especially the problem solving aspect of what I do. I appreciate that we are taught about why a policy or procedure exists and the bank gives us the tools and leeway to work with our customers.
We’re sometimes able to find ways to help the customer whether it’s helping them get approved for a car loan because their car just blew up or finding ways to help them
stop over drafting an account.”

JJ Wright

“You don’t find that community feel just anywhere but our involvement in the community allows us to be a resource to customers. That extends to employees too. When your staff and coworkers feel like family, you all work together better. You help each other out more and you feel like we’re all in this together.”

Brittany Walters

“I like to problem solve and love when I can figure out a customer’s issues.
That’s rewarding to help and to be a resource for them. Even with seventeen branches, we are still a community bank. We’re still allowed enough leeway to help customers
in a way that you just don’t find at big businesses. I mean, we all know
the Executive Team here. We all know the President.
We all are given the confidence and the freedom to work together.”

Kati Maple

“Do you know how important it is to work for a company that encourages employees to get involved? And it’s not just about opening savings accounts and lending money. It’s about helping out at events and going to the fair to buy livestock. I was a 4-her once and I remember how important it was to have businesses support the livestock sale. That’s where I got the money to open my savings account, from taking hogs to the fair!”

Jeremy Robson

“This is so much more rewarding than corporate banking which is very black and white. In corporate banking, there’s no opportunity to get to know your customers or to help someone who you’ve had to tell they can’t have what they want but that there
may be another solution. It’s like night and day when you go to work for a bank that actually wants to work with customers.”

Matthew Giroux

Here for You Badge

Meet Your Banker: Brittany Walters

Today we continue our “Meet Your Banker” series by talking with Brittany Walters. Brittany is the Branch Manager of our Ross County Banking Center on Main Street in Chillicothe.

Brittany Walters

Brittany Walters is the Branch Manager of the Ross County Banking Center on Main Street in Chillicothe.

Brittany started her career, not in banking, but in customer service. She first worked for a major cell phone provider before becoming a personal banker at a big bank. Consequently, care for customer satisfaction is evident whenever she talks about helping customers.

She talks a lot about educating customers so that they can help themselves. “I don’t want to just tell a customer what kind of product they need. I like to guide them and help them feel comfortable with their choices,” she said. “It’s rewarding to educate someone about how their choices effect their credit and then to see their credit score go up because of their hard work.”

Brittany believes that offering this kind of education to customers is an important part of community banking. “You don’t find that community feel just anywhere but our involvement in the community allows us to be a resource to customers,” she said. “That extends to employees too. When your staff and coworkers feel like family, you all work together better. You help each other out more and you feel like we’re all in this together.”

The Jackson native went to Shawnee State University. She has been married to her husband Tim for eight years and the couple have two young boys. They live just outside Chillicothe where they have spent the last few years transforming their property with fruit trees, berry bushes and garden space. They even raise chickens for the farm fresh eggs and have enjoyed having baby chicks this spring.

She said they attempt to expand their crop every year and work to preserve beans, spaghetti sauce and other goodies to enjoy later. “We love doing anything outdoors! We especially enjoy hiking and spending time in the woods as a family,” she said. “And we love our garden! It’s a lot of work but it’s so rewarding to eat the food you grew yourself!”

Brittany is also involved in the community through annual events like Salvation Army bell ringing each Christmas and working the Buck Fifty. The Ross Chillicothe Chamber of Commerce is another organization she is involved with. She especially enjoys the Chamber’s quarterly New Member Breakfast which the bank sponsors. “It’s a lot of fun to network with new members. There’s good food and you get to hear about their plans for their businesses in the community and about how the bank might help,” she explained.

“And after all. Isn’t that what community banking is all about? Getting to know your neighbor and seeing how you can help?”

Meet Your Banker: Matthew Giroux

Today we continue our “Meet Your Banker” series by talking with Matthew Giroux. Matthew is the Branch Manager at our Ross County Banking Center on Western Avenue in Chillicothe.

IMG_0833

Matthew Giroux is the Branch Manager of our Ross County Banking Center on Western Avenue.

Ask Matthew to talk about his role as a community banker and he first mentions his experience working for a big bank. “This is so much more rewarding than corporate banking which is very black and white. In corporate banking, there’s no opportunity to get to know your customers or to help someone who you’ve had to tell they can’t have what they want but that there may be another solution,” he said. “It’s like night and day when you go to work for a bank that actually wants to work with customers.”

While he’s relatively new to VCNB, Matthew has close to sixteen years of experience in banking and a degree in Finance from Ohio State University. The Chicago native’s father attended OSU  and so Matthew said he always knew that’s where he wanted to study.

With sixteen years in banking around central Ohio he said that he especially likes working with business customers and small business start-ups. “New businesses are exciting. They’re usually starting a business with a purpose and they’re doing it because they’re passionate about something .  . . they’re doing it because they want to, not because they have to.”

However, he pointed out that many small business customers don’t know where to go for an EIN or to register their name. “They don’t know where to start but it’s something we deal with every day so it’s easy for us. It’s a lot of fun to guide customers to where they need to be,” he said.

Matthew and his wife Beth will celebrate their ninth wedding anniversary in May. They have a four-year old son.

In his free time, he is an avid OSU fan and is proud to be a 23 season ticket holder. He is also the Treasurer of the Ohio State Alumni Club of Ross County, belongs to the Chillicothe Rotary, and helps with concessions for the Zane Trace Athletic Boosters. He also represents the bank at the quarterly Ross Chillicothe Chamber of Commerce New Member Breakfast that the bank sponsors.

Until the pandemic caused disruption to daily life, Matthew was volunteering with the United Way, doing taxes for people through the Volunteer Income Tax Assistance (VITA) program which provides free tax preparation services to low to moderate income tax payers in the community. “I was having a lot of fun doing taxes for people a few nights a week and some Saturdays,” he said. He laughed when teased for calling tax time fun. “It IS a lot of fun. You get to meet a lot of people and help others. Plus, I got to expand my own knowledge so I think the program is great,” he said.

“The pandemic has complicated the way we do some things but we are still here helping customers. I’m just a phone call away and we can accomplish everything a customer needs.”

 

Select VCNB Branches Adjust Hours

Some of our branches are temporarily adjusting their hours to maintain safe environments for our employees. While we regret inconveniences caused to our customers, these changes are necessary. See the list below to learn if your local branch has been effected.

Please remember that most of our branch lobbies are offering services through the drive-thru only at this time. We encourage customers to use contactless means of doing business such as Online and Mobile Banking. Deposits can be made via Express Drop and at most VCNB branch ATMs which we are disinfecting regularly. Our Customer Service team is ready for your calls at 1.800.542.5004 and our branch staff will be happy to serve you via the phone and drive-thru. If you require services that cannot be completed outside the branch lobby, please call your local branch to discuss your options.

VCNB_V_CMYKCommercial Point
Monday – Thursday 8:30 a.m. to 5 p.m.
Friday 8:30 a.m. to 6 p.m.
Saturday Closed

Grove City
Monday – Thursday 9 a.m. to 5 p.m.
Friday 9 a.m. to 5 pm.
Saturday 8 a.m. to noon

Jackson
This branch continues to practice social distancing as it has no drive-thru at this time.
Monday – Thursday 8:30 a.m to 5 p.m.
Friday 8:30 a.m. to 6 p.m.
Closed for lunch from 1 p.m. to 2 p.m. Monday through Friday
Saturday 8:30 to noon

Richmond Dale
Monday – Thursday 8:30 a.m. to 5 p.m.
Friday 8:30 to 6 p.m.
Saturday Closed

Wilkesville
Monday – Tuesday 8:30 a.m. to 5 p.m.
WednesdayClosed
Please note that items place in the Express Drop after 4 p.m. on Tuesday will not be processed until Thursday
Thursday – Friday 8:30 a.m. to 5 p.m.
Saturday 8:30 to noon

Kevin Coe To Retire On Valentine’s Day

It’s a brand new year and a new decade. 2020 also marks a fresh start for VCNB employee Kevin Coe. The popular Ross County Banking Center Commercial Lender will retire on Valentine’s Day after a 40 plus year career in banking.

Kevin Coe“I’ve achieved what I set out to do. I worked for another bank for twenty years and worked here for twenty. So I’ve made it to 40 years and I’m retiring in 2020 with twenty and twenty at two banks,” he explained. “The timing is right to retire.”

Ask Kevin to talk about his career and he’s very quick to mention his customers. You see, the Chillicothe resident says that his job isn’t just to loan money – it’s to help people. “I love talking to my customers and learning about their businesses,” he explained. “I’ve gotten to start with some customers on the ground floor. Being a part of their businesses and learning about their line of work … well, that’s one of the most rewarding things. I’m a people person so I like to relate to people and to hear their story.”

Kevin’s parents were educators who lived in West Jefferson when he was born. They relocated to Chillicothe when he was just five and he is proud to say he calls Ross County home. After graduating from Chillicothe City Schools, he spent two years at Miami University in Oxford. Uncertain what he wanted to do, he took a break from college and accepted a seasonal position at Mead Corporation in Chillicothe.

While there, he chose to pursue a career in finance. He graduated from Columbus State with an Associate Degree in Banking and Finance before taking a job in the Collections Department at another bank in Chillicothe. He moved into lending after three years before finally becoming a Commercial Lender. After twenty years with that bank, he made the leap to Ross County Banking Center where he started out as a Lender and eventually became a Commercial Lender.

Commercial lending clearly is Kevin’s niche and his interest in people and their businesses has been a key to his success. He is outgoing and kind but it’s the genuine interest that he takes in people that makes customers look forward to doing business with him.

That’s not to say that life has been without problems. The grandfather of three was devastated by the loss of one granddaughter in January 2018. A few months later a blown knee forced him into surgery and off work for the shortest period of time his doctor would permit. When he returned just two and a half weeks after surgery, a new software system for processing loan requests was being implemented.

“I’ll be honest with you. I was struggling. I was in a lot of pain and I’m not a techie person to begin with. Losing my granddaughter . . .  the surgery. . .it was just too much at one time and I didn’t know if I would make it to retirement,” he said. “But I’ve had good people help me along the way and I’m so pleased that I was able to stay until I was ready to retire. I’m grateful to my customers and my coworkers and everyone that has helped me.”

When asked if he has advice for someone considering a career in banking, Kevin’s answer went back to the human aspect of the job. “It’s a rewarding career but if you’re not a people person, lending is probably not the career for you. If you like people, if you’re interested in their successes and in what they care about, you’ll love it,” he exclaimed.

While Kevin looks forward to having free time, to catching up on some things around the house and maybe even playing a little golf, he isn’t in any hurry to leave.  “I’m not counting the days or anything like that. I know how long I have but I’m not dying to leave. In fact, I’m sure I’ll miss working. I know I’ll miss the people,” he said. “But I’m looking forward to doing something different. Catch up on things at home, maybe find a part-time job to keep me busy,” he said with a grin.

He does look forward to having more time with his family including Debbie, his wife of 37 years. “I’m so blessed that I had the opportunity to come to work here. Wow, retiring! It’s going to be a big change. For forty plus years I’ve gotten up and gone to work,” he said. “I’m looking forward to it!”

“Banking has been a rewarding career and I am blessed to have worked with so many fine people and to meet so many great people throughout my 40 plus years in the business. And to be able to work in my hometown was icing on the cake.”

Customers and friends are invited to join Kevin for an informal reception at his office on East Main Street in Chillicothe from 11 a.m. to 2 p.m. on Wednesday, February 12.

 

 

Elaine Prater To Retire This Month

Elaine praterWhen Elaine Prater started at the bank in Richmond Dale, she was a part time teller with no thoughts of making it a career. The bank was close to home and to her kids’ school, providing a convenient opportunity to make some extra money.

More than 38 years have passed since then. She’s now the much beloved manager of that branch and is looking forward to her retirement on January 31. “In the beginning I worked as part time teller on Monday, Friday, Saturday and on the first and third of the month. I covered vacations too,” she laughed.

“I discovered that I really enjoyed the people and I never left,” she said.

The branch changed hands a few times over the years before joining the VCNB family in 2008. Over time she worked her way up to Branch Manager, a position she’s held since 1997. “I’ve been a banker for 38 years and worked for four banks but I’ve done it all right here!” she exclaimed.

During that time she’s witnessed significant changes in the industry and the way customers want to bank. “When I started we didn’t have a single computer in the branch. Then we got a computer for behind the teller line and now we all have computers. It’s really changed the way we work,” she said.

Elaine also remembers when ATMs and online banking were introduced. “Our customers loved the ATM but the thing that impressed them the most was online banking. Customers were quick to adopt to banking with their own computer, being able to do things for themselves,” she said. “Some of our older customers still don’t use online banking and we have people who can’t get internet at home but that’s ok. We can help them in other ways. That’s the beautiful thing about being a community banker,” she said.

She went on to talk about the many ways community bankers can look out for their customers. “Sometimes we balance checkbooks. We know the families including all the kids and grandkids. Sometimes we just visit with them,” she said. “When I ask a customer how they’re doing, it means something to me. It means a lot to know that they’re ok or that I can help when there’s a problem. It means something knowing that I can be happy for them when there’s good news. They’re not just customers. They’re all important to me,” she said.

Elaine looks forward to having the free time that comes with retirement but doesn’t necessarily intend to slow down. For example, she hopes to volunteer at the hospital. “It sounds kind of corny but I want to give back. I want to give comfort” she explained while remembering a time that her grandson was quite ill while in Guatemala, waiting for his adoption to be finalized. “I was so thankful he had compassionate people to care for him. He needed the surgery by the time he was six months old. When they stepped off the plane, he was already scheduled for surgery two weeks later, on the day he turned six months.

Elaine and her husband Gary recently celebrated 51 years of marriage and she’s looking forward to having more time with him. The pair work together running a concessions business that takes them to events across Ohio and Kentucky. They have two grown children and four grandkids. Two of those grandchildren live in California and it is her hope visit them soon. She would also like to continue volunteering with Salvation Army and remain active with her church.

She laughed when she talked about coming back to “visit with the girls” at the branch. I worked with Brenda for 22 years and Lauren for seventeen. That’s a long time to just stop coming around!”

“It’s hard to believe that it’s been so long. It’s been fun. We all have those days that it gets overwhelming or that it isn’t fun but I’m grateful for every single day. I’m grateful for the opportunities I’ve had here. I’ll miss the people but I think this is the right time to go,” she said.

Elaine’s last day will be on Friday, January 31. Customers can stop by the branch on January 29 to have cupcakes and visit with her.