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Leadership Team

Almost a Century of Change...

Chartered on October 24, 1907 with a capital stock of $25,000, First Northern Bank & Trust officially opened for business on January 6, 1908. The Borough of Palmerton's first financial institution established its office in a small brick building on Delaware Avenue. In years to come, this same location would be home to the Palmerton Lighting Company and, more recently, a florist.

Responding to the the economic boom of the roaring 20's, the Bank expanded again in 1926, acquiring property and erecting a new building at Delaware Avenue and Fourth Street. The custom-designed facility was equipped with the most current equipment and conveniences, and was considered to be the "very latest" in modern banking construction.

Over the next few decades, First Northern Bank & Trust stood the test of time, surviving the uncertainty of the Depression and the trials of World War II. Then, on the heels of the 50's, came a resurgence of consumer confidence. Long-time bank employees took pride and pleasure in providing a broad range of services to the children and grand-children of their very first customers.

Along with disco and bell bottoms, the 70's introduced a focus on emerging technologies and planned growth strategies. Always in step with the times, the bank expanded and relocated in 1972, purchasing the former New Jersey Zinc - Horse Head Inn at the corner of Fourth Street and Lafayette Avenue. The Delaware Avenue property was then earmarked for community outreach and donated to the Palmerton Library Association.

Thanks to the loyalty of thousands of customers, First Northern Bank & Trust continues to grow and prosper in four of Northeastern Pennsylvania's most beautiful counties: Carbon, Lehigh, Monroe and Northampton. As our history proves, an unwavering commitment to providing quality financial services has played a critical role in our success. Originally born of the needs of a fledgling community, we have evolved into a rock-solid, caring, concerned citizen...interested and active in the current affairs of the communities we are privileged to serve. First Northern Bank & Trust, a sole subsidiary of Palm-Bancorp, Inc. (a unitary bank holding company), is a state chartered bank operating under the Office of the Federal Reserve.


  • Salvatore Checho - Chairman of the Board
  • Anna Marie Checho - Corporate Secretary
  • Christopher Checho - Assistant Secretary
  • Frank Checho - President /Co-CEO/Vice Chairman
  • Faust Checho - Director
  • Raymond C. Rinaldi - Director
  • Raymond C. Rinaldi II -Director
  • William H. George - Director
  • Bonnie L. Paules - Assistant Secretary/Assistant Treasurer
  • Michael Harleman - Director
  • Albert Yesu - Treasurer/Director


  • Salvatore Checho - Chairman of the Board
  • Frank Checho - President/ Co-CEO
  • Michael R. Harleman - Executive Vice President
  • Paul Baynum - VP, Commercial Loan Officer
  • Tiffany Cappuccino - VP, Mortgage Originator
  • Leo Castagnera - VP, Security/BSA Officer
  • Christopher Checho - VP, Administration
  • Faust Checho - VP, Administration
  • Susan Choy - VP, Residential Lending Quality Control Officer
  • Marlene Coffman - SVP, Branch Administrator
  • Anne Davis-Shupp - VP, Marketing Director
  • Michael O. DePaulo - SVP, COO/Chief Technology Officer
  • Francis Doyle - SVP, Chief Credit Officer
  • Angela Fink - VP, Credit Analyst
  • Jason Geake - SVP, Chief Administrative Officer/CRA Officer
  • Mark Goffredo - VP, Commercial Loan Officer
  • Lorynn Green - AVP, Accounting Administrative Assistant
  • Shawn Griffin - VP, Co-Chief Technology Officer
  • Casey Gaugler - VP, Retail Loan Manager
  • Judith L. Johnson - AVP, Credit Analyst
  • Brenda Kowalsky -  VP, Assistant Chief Financial Officer
  • Denise Krupa - VP, Retail Loan Underwriter
  • Todd Lakey - SVP, Chief Retail Loan Officer
  • Sara Nansteel - AVP, Retail Loan Underwriter
  • Donald A Nowalk Jr. - AVP, Collections Officer
  • Faith Orsulak, - VP, Loan Administrator
  • Bonnie L. Paules - SVP, Asst. Corporate Secretary
  • Trisha Paules - VP, Senior Credit Analyst
  • Suzanne Perry - VP, Portal Administrator/Information Security Officer
  • Jason Picciano - AVP, Computer Systems Assistant
  • Kevin Reiner - Senior VP, Commercial Loan Officer
  • Brooke Robles - Senior Commerical Loan Documentation Specialist/SBA Compliance Manager
  • Anthony Rosencrance - SVP, Commercial Loan Officer
  • Carla Schmidt - AVP, Bookeeping Supervisor
  • David Semmel - VP, IT/Telecommunications Specialist
  • Melissa Serfass - VP, Corporate Fianance Officer
  • Deborah Silfies - AVP, Loan Closing Manager
  • Janene Smith - VP, Manager of Internal Audit
  • Donna Snyder - VP, Computer Systems Administrator
  • Richard Snyder - SVP, Collections/Workout Officer
  • Lori Solt - VP, Mortgage Originator
  • Richard Strauss - VP, Collections/WorkOut Officer
  • Donna Thompson - VP, Security Officer
  • Theresa Thompson- VP, Compliance Officer
  • Connie Visnosky - AVP, Loan Operations Manager
  • Lisa Wentz - VP, Mortgage Orginator
  • Barry Wolfe - VP, Assistant CRA Officer
  • Albert Yesu - Co-CEO/ SVP, Chief Financial Officer/Treasurer
  • Joseph Zubia - VP, Commercial/SBA Loan Officer
  • Norman Zwolenik - VP, Director of Human Resources
  • Eirene Charney - VP, Branch Manager
  • Luanne Freeman - VP, Branch Manager
  • Lisa Saveri - VP, Branch Manager
  • Robyn Smiley - VP, Branch Manager
  • Andrea McGuire - VP, Branch Manager
  • Kathleen Marrese - VP, Branch Manager
  • Wendy Milhime - VP, Branch Manager
  • Donna L Frack - VP, Branch Manager
  • Mandy Pasquariello - VP, Branch Manager
  • Zena Keller - VP, Branch Manager
  • Donna Houser - VP,  Branch Manager
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First Northern Bank & Trust | Fourth Street & Lafayette Avenue Palmerton, PA 18071

(800) 344-2274 | (610) 826-2239 Local | [email protected]

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