Community Bank, N.A. - Watertown, NY

Community Bank, N.A.
216 Washington St
Watertown, NY 13601
Phone: (315) 788-4503
Fax: (315) 788-7956

Community Bank, N.A. (CBNA) is headquartered in DeWitt New York, a suburb of Syracuse and has branch offices located in Upstate New York stretching diagonally from Northern New York to the Southern Tier and west to Lake Erie. Its predecessor bank was founded in 1866, and it is the wholly-owned banking subsidiary of Community Bank System, Inc. (CBSI).

In Pennsylvania, Community Bank, N.A. operates as First Liberty Bank and Trust, a division of Community Bank, N.A. First Liberty Bank and Trust (FLB) has branch offices located in Lackawanna, Luzerne, Bradford, Susquehanna, and Wyoming counties in Northeastern Pennsylvania. With predecessor banks dating back to the early 1900s, First Liberty shares our commitment to provide personalized, high-quality service and financial products.

Company Background

CBNA is the wholly-owned national banking subsidiary of Community Bank System, Inc. (CBSI), whose predecessor bank was the St. Lawrence National Bank, chartered in 1866. CBSI was incorporated as a registered bank holding company in 1983 and maintains its principal administrative office in DeWitt, New York. It is the second-largest commercial banking franchise headquartered in Upstate New York. It is a full-service financial institution, offering complete consumer, business, and financial services.

In 2001, CBNA merged with First Liberty Bank and Trust. First Liberty continues to operate under its own name in Pennsylvania, as a division of Community Bank, N.A. First Liberty's predecessor banks date back to the early 1900s. It was organized as a holding company in Pennsylvania in 1984 as the First Jermyn Corp. It acquired Upper Valley Bancorp, Inc., with $271 million in assets, in 1998. Concurrently the First Liberty Bank and Trust name was adopted. In July 2000, First Liberty acquired three offices of Mellon Bank, N.A.

On June 9, 2003, Community Bank System, Inc. (NYSE:CBU) and Grange National BancCorp. (OTC.BB:GRGN.OB) headquartered in Tunkhannock, PA, jointly announced that they signed a definitive agreement for CBU to acquire all the stock of GRGN through a merger of GRGN and CBU.

GRGN's National Bank subsidiary, Grange National Bank, with $285 million in assets, was merged into Community Bank, N.A., CBU's principal subsidiary on November 21, 2003 and its 12 branches were added to the operations as part of First Liberty Bank and Trust. Thomas A. McCullough, current President and Chief Executive Officer of GRGN became President, Pennsylvania Banking for CBU and manages all its banking business in Northeastern Pennsylvania, with branch locations in Lackawanna, Luzerne, Bradford, Susquehanna, and Wyoming counties.

In May 2004, CBU acquired First Heritage Bank with $275 million in assets. The transaction added three branches in Northeastern Pennsylvania now operating as First Liberty Bank and Trust.

Regional administrative locations of the bank are located in Canton and Olean, New York, and Scranton, PA and share operational responsibility for CBNA and First Liberty Bank & Trust customer facilities and ATMs throughout Northern New York, the Finger Lakes Region, the Southern Tier, Southwestern New York, and Northeastern Pennsylvania.

Other subsidiaries within the CBSI family are Nottingham Advisors, Inc., an investment management firm based in Buffalo, New York; Benefit Plans Administrative Services, LLC, a pension administration and consulting firm located in Utica, New York, serving sponsors of defined benefit and defined contribution plans; Harbridge Consulting Group, and actuarial pension and consulting business located in Syracuse, NY; and Community Investment Services, Inc. (CISI) in NY and dba First Liberty Investment Services in PA, a broker/dealer delivering financial products and long-term health and other insurance products from selected locations within Community Bank and First Liberty Banks' branch system.

2008 COMMUNITY BANK, N.A. ALL RIGHTS RESERVED