Directors
Charles W. Thorley	Chairman
Earl E. Des Jardins	Vice Chairman
Bradley D. Apsey	Director
Gilbert B. Clark	Director
Karen S. Flanagan	Director
Robert G. Frohm	Director
Timothy M. Ward	Director - CEO
Kenneth J. Wilhelm	Director
John C. Williams	Director

Officers
Timothy M. Ward	President - CEO
Kathlene M. Partaka	Executive Vice President - Operations
Charles O. Racette	Senior Vice President - Loans
Karen M. Lord, CPA	Chief Financial Officer
Sidney A. Mattson	Vice President - Business Loan Manager
William E. Cone	Vice President - Business Loans
Paul D. Lydy	Vice President - Business Loans
Andrea J. Haag	Vice President - Mortgage Manager
Ann E. Matthews	Vice President - Operations
Debra L. McCulley	Assistant Vice President - Human Resource Officer
Wm. Robert Bernum	Assistant Vice President - Branch Administration & Security Officer
Don C. Wixson	Assistant Vice President - Business Loans
L . Michael O'Vell	Assistant Vice President - Consumer Manager
Joseph L. Brown	Assistant Vice President - Appraiser
Christi Agostino-Erd	Assistant Vice President - Mortgage Officer
Joel F.Platzer	Assistant Vice President - Branch Manager - Fort Gratiot
Kyle W. Jacobs	Assistant Vice President - Branch Manager - Sandusky
Melissa C. Neumann	Assistant Vice President - Branch Manager - Lexington
Clariece C. Creguer	Assistant Vice President - Branch Manager - Deckerville / Minden City
Karen S. Biskey	Business Loan Officer
Tammy J. Williford	Marketing & Compliance Officer
Victoria P. McKenzie	Branch Manager - Port Huron
Cindy M. Mugridge	Branch Manager - Lakeport
Beverly A. Jurzysta	Branch Manager - Croswell
Catherine L. Fitz	Branch Manager - Marysville
Donna J. Steele	Data Processing Manager
Susan M. Ladoski	Loan Officer - Collections