Jeff Bank 100th Anniversary Issue

100th Anniversary A SPECIAL SECTION OF THE SULLIVAN COUNTY DEMOCRAT • APRIL 2013

American Cancer Society (Relay for Life)

Sullivan County SPCA Boys & Girls Club Hospice of Orange & Sullivan

GIFT MATCH Help Us Help Others!

In celebration of our 100th Anniversary, Jeff Bank would like to give back to our community.

For every $100 or more contributed by an individual donor to one of the above nonprofits, we will donate $100.

Please make your check payable to one of the four charities listed above and mail to:

Jeff Bank 100th Anniversary Matching Funds P.O. Box 398 Jeffersonville, NY 12748 The four nonprofit organizations were chosen by Jeff Bank employees.

Checks must be mailed directly to Jeff Bank in order to be eligible for the $100 matching funds.

Jeff Bank reserves the right to discontinue this offer at anytime without notice.

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845/482.4000 • www.jeffbank.com • www.facebook.com/jeffersonvillebank BLOOMINGBURG • CALLICOON • ELDRED • JEFFERSONVILLE • LIBERTY • LIVINGSTON MANOR LOCH SHELDRAKE • MONTICELLO • NARROWSBURG • WAL-MART • WHITE LAKE • WURTSBORO

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Jeff Bank Keeps Community First

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rust. Integrity. Respect. These three values are at the core of Jeff Bank’s business model and have been integral to its success during the last 100 years.

From its modest beginnings in 1913, Jeff Bank has grown up to become Sullivan County’s largest community bank, serving every corner of the county with its 12 branches and nearly 135 employees while claiming a 31 percent market share.

The bank has worked hard to fulfill its mission statement of providing its 1,100 shareholders with a fair return on their investments while maintaining a high level of customer satisfaction by; • Operating as an independent, full service community bank, dedicated to improving its market share, • Providing prompt and courteous service to assure that each and every customer is treated with trust, integrity and respect, • Continuous development of its employees and promoting a stable, satisfying work environment, and • Fulfilling its commitment to its customers and the local communities.

Not only has Jeff Bank been providing its customers with a high level of bank-

Jeff Bank 100th Anniversary C O N T E N T S

Jeff Bank - The Inception . . . . . . . . . .pages 4&5 Timeline of Jeff Bank Events . . . . . . .page 6 What People Say . . . . . . . . . . . . . . . .page 7 Jeff Bank’s First President . . . . . . . . .page 11 Past & Present Directors . . . . . . . . . .page 12 Sullivan County Banking History . . . .page 14-16 APRIL

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ing services over the years but it has “grown up” to become a community leader as well.

The employees of the bank truly care about the communities which they serve – and it shows. Donating money, collecting food, rolling up their sleeves and getting involved – Jeff Bank’s talented group has shown time and again how much they are invested in the community they serve and how much they want it to succeed.

From Sullivan County Community College to the Sullivan County SPCA, Hospice of Orange and Sullivan and beyond, Jeff Bank worked hard to make a difference in the quality of life of the residents they serve.

Community banking is very different from the mega banks which now dot the national landscape. With a local board of directors committed to helping the economy grow by reinvesting money in local business, the bank’s focus has, and will continue to be, the improvement of Sullivan County.

So as the largest community bank in Sullivan County celebrates its 100th birthday, we would like to extend our best wishes for much continued success and commend Jeff Bank for truly making a difference to the people and communities which they serve.

And as their slogan once said, “Thanks Jeff!”

Publisher Editor Design and Layout Director of Marketing Display Advertising Director Advertising Sales Advertising Coordinator Advertising Design Business Manager Production JEFF BANK

Fred Stabbert III Dan Hust Rosalie Mycka Laura Stabbert Liz Tucker Katie Peake & Cecilia Lamy Sue Bodenstein Sue Conklin Sue Owens Tracy Swendsen 100TH

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JEFF BANK – The Inception

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he year is 1913. Woodrow Wilson becomes the 28th president of the United States. The 16th Amendment to the U.S. Constitution is ratified, authorizing the federal income tax. And a redesigned Grand Central Station reopens in New York City, as the largest train station in the world.

It is a pivotal year in Sullivan County, as well. It is the peak year for passenger travel on the Ontario & Western Railway, which feeds the county’s major resorts. The decline in travel in subsequent years would signal the end of what had been nearly a quarter of a century of prosperous tourism in the area.

And a disastrous fire strikes the village of Liberty on June 13th—Friday the 13th-- destroying nearly half of the village’s business district.

Meanwhile, the small community of Jeffersonville, home to about 500 people, is poised to get electrical service for the first time. And The First National Bank of Jeffersonville receives its charter and unveils plans for a newly constructed, state- of- the-art, fireproof building on the corner of East Main Street and Maple Avenue.

The saga of The First National Bank of Jeffersonville began when five local businessmen - Louis P. Faubel, Henry U. Krenrich,

Contributed by John Conway and Debra Conway/History Prose/Barryville, NY.

Otto W. Meyer, and Charles and Fred Schmidt - applied for a charter to establish a local bank. At that time, most people in the community who utilized banking services did so either in Callicoon or in Liberty.

On August 28, 1913, Jeffersonville’s weekly newspaper, the Sullivan County Record, ran a story on its front page announcing that the petition for the bank had been granted.

“The comptroller of the currency has granted the application for the organizing of the First National Bank of Jeffersonville. The directors and officers of the bank have not yet been selected, but in all probability the president will be Val Scheidell, who is the moving spirit in this enterprise as he is and has been in all other important projects in this community. Plans are being completed for the new two story concrete bank building which is to grace the northeast corner of East Main Street and Maple Avenue.”

When the first directors and officers were chosen on September 8, Valentine Scheidell, businessman, entrepreneur, and longtime supervisor of the town of Callicoon, was indeed chosen as bank president, while William B. Vorhees of Roscoe was selected vice president and Charles Schmidt cashier.

Other directors included: William F. Heinle

O&W Station in Liberty

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of Cochecton Center; Grover M. Hermann of Callicoon; George DeLap of Kenoza Lake; and Otto W. Meyer, Henry U. Krenrich, and Robert B. McGinn, of Jeffersonville.

These men served until the first annual meeting of stockholders was held the following January.

On October 28, 1913, the First National Bank of Jeffersonville was officially authorized to do business Maple Avenue, Jeffersonville c. 1913 the bank’s operation.

by Thomas P. Kane, the acting Comptroller The paper also reported: “The first deposiof the Currency. The official announcement tor was George DeLap of Kenoza Lake. As was published in the Sullivan County George engineered the construction of the Record for a number of successive issues fine bank building, it is but natural that he later that year. would wish to be the first depositor…The finOn Monday, January 5, 1914, The First ishing touches were put on the interior walls National Bank of Jeffersonville opened for of the bank building this week. The exterior business in its still unfinished building on will be finished up with a wash when the corner of East Main Street and Maple warmer weather permits. Joseph Rapp, marAvenue. The bank’s counters and desks ble cutter, on Tuesday finished the job of had been delayed in shipping and tempocarving the name of the bank in raised letters rary partitions and desks had to be pressed across the front of the building.” into service. Seventy-five accounts were The new bank building featured hot water opened the first day, and nearly $10,000 in deposits was received. The Sullivan County heat, electric lights, and modern plumbing fixtures. There was no exposed woodwork Record reported that was “considered very in any part of the building, which was supfavorable for this time of year.” More than posed to make it virtually fireproof. The $20,000 was deposited in the six days of second story featured four offices, and the highlight of the building was an Ely-Norris Safe from the Remington-Sherman-Ely-Norris Safe Company of New York City that was considered burglar proof. The safe included a three ton manganese steel vault door with a double time lock.

When the new bank’s stockholders held their first Annual Meeting on January 13, 1914, a new, expanded slate of directors was elected, and in addition to the original nine, Jeffersonville physician Dr. J. Cameron Gain, John Townsend, one time Neversink Supervisor Dr. W.H.H. Hoar of Grahamsville, Judge George H. Smith of Woodbourne, and Michael E. Galligan of Forestburgh were chosen. The Record editorialized that the group “represented every section of the county, which augurs well for the prestige and prospects of the new bank.”

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An Historical Timeline of Important Jeff Bank Events September 8, 1913 January 5, 1914

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The First National Bank of Jeffersonville Organized Jeffersonville Office Opened for Business

1967

Eldred Branch Opened

1982

Jeffersonville Bancorp Formed

1984

Burroughs Computer Purchased

1984

Construction of Operations Building in Jeffersonville

1985

Liberty Branch Opened

1985

Loch Sheldrake Branch Opened

1993

Monticello Branch Opened

1996

Livingston Manor Branch Opened

1996

Narrowsburg Branch Opened

1997

Callicoon Branch Opened

1999

Wal-Mart Branch Opened

2000

Wurtsboro Branch Opened

2008

New Logo with Jeff Bank Name

2009

Jeff Bank becomes Registered Trademark

2010

Bloomingburg Branch Opened

2010

White Lake Branch Opened

2012

Voluntarily Delisted Common Stock from Nasdaq

2012

Conversion from National to New York State Charter

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JEFF BANK Keeps focus on Serving the Community

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Sometimes looking back is the best way to look ahead.

eff Bank President and CEO Wayne V. Zanetti said the founding fathers of Jeff Bank had some very good ideas when the bank was started back in 1913.

“The initial nine board members selected additional gentlemen to include a director from each township in Sullivan County,” Zanetti said. “They realized their market was not just Jeffersonville or Callicoon but the entire county. The roots for growing the bank go back to 1914.

“It was the community which has allowed us to be the bank of choice,” Zanetti said.

“We also have many loyal customers and a dedicated staff which has allowed us to reach this milestone. It’s not just one person.”

And that focus – serving the entire county – has manifested itself in many ways.

The bank now has 12 branches which are conveniently located throughout the county and its 135 employees hail from all corners of Sullivan County’s 1,100 square miles.

“We were able to adjust to the changes,” Zanetti said. “Once there were 11 community banks in Sullivan County and we are the only one left. We had a conservative approach to banking and were able to persevere when others could not.”

Technology, and all of the advances which it brings, is another area where Zanetti said Jeff Bank has done a good job.

“We are not on the bleeding edge of technology, but certainly on the cutting edge,” he said. “We would be farther along if Sullivan County had full broadband service but we have kept pace with the developments in technology within the county.”

Operations Building APRIL

By Fred Stabbert III

2013

Wayne V. Zanetti, Jeff Bank President and CEO

And with all the advances in technology that comes with modern banking, Jeff Bank is still proud to be involved in and supportive of the local community.

From substantial contributions to Sullivan County Community College and the Sullivan County Community College Foundation to helping out many organizations throughout the area, Jeff Bank has been at the forefront of helping the community.

“And rightly so,” Zanetti said. “People underestimate the value of the college. They are a major part of our economic engine.”

Keeping It Local Jeff Bank has also worked hard at keeping their focus on the local economic landscape.

Part of that focus has come from the board of directors, which have always been an integral part of the Sullivan County business community.

And one family – the Heinles – had three generations serve as directors of the bank.

“It started with William F. who was a founding director,” Zanetti said.

From there it went to William A. and then Doug, who was a fixture in Cochecton Center for three-quarters of a century and always had time to visit and help his neighbor.

Just like Jeff Bank has been doing for the last 100 years.

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JEFF BANK Times 12

Eldred branch u

White Lake branch

t Callicoon branch

Loch Sheldrake branch

Wal-Mart Monticello branch u

t Livingston Manor branch

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Bloomingburg branch

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JEFF BANK Times 12

Monticello branch

Continued from page 8

Wurtsboro branch u

t Narrowsburg branch

Quotables Quot “I love Jeff Bank. I have been a customer since I was 13 and had a joint account with my mother. I’ve had an account ever since and I’ve never had another bank and I don’t plan to. They are also very good to my dog Pawlie in Loch Sheldrake, and he likes his treats.”

Vanessa Lescano & Pawlie Loch Sheldrake APRIL

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Jeffersonville Main Office

“Jeff Bank and Villa Roma Resort have enjoyed a longstanding relationship for over 40 years based on mutual respect. Both companies have prospered and grown together in Sullivan County over those years.

As a result, the relationship between the two is as solid today as it was in the past. Jeff Bank has always provided the personal and friendly treatment you would expect from a small county bank, but without Jeff Bank's commercial banking services and capabilities, the Villa Roma would not be as successful as it is today.”

Paul Carlucci, Vice President Villa Roma Resort & Conference Center JEFF BANK

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Jeff Bank’s first ad...

...and what would have been a healthy deposit in someone’s new account.

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Jeff Bank’s First President

Contributed by John Conway and Debra Conway/History Prose/Barryville, NY.

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espected Jeffersonville businessman nity’s new bank, he was in the creamery and politician Valentine Scheidell was business with his uncle Charles Scheidell, the man chosen as the first president and had purchased a number of failed of the First National Bank of Jeffersonville. creamery operations in the region in 1912, Scheidell was born in Jeffersonville on Sep- opening an office in Jeffersonville to run tember 26, 1869, and grew up in the comthem. The Livingston Manor Times remunity where his grandfather, Frederick, ported in its April 4, 1912 edition that "at had been one of the earliest settlers, operthe sale of the creameries of the Dairy ating a grist mill beginning in the 1840s.

Products Company which took place in His father, also named Frederick, was longMonticello Tuesday, Valentine Scheidell of time town of Callicoon Supervisor. ValenJeffersonville purchased the bulk of the tine Scheidell was involved in a number of creameries offered. Those properties inbusiness ventures over the years, including cluded the Jeffersonville, Youngsville, serving as the vice president of the unsucKenoza Lake, Callicoon and North Branch cessful Warrior Gold Mining Company of creameries. Last week in New York, Mr. Liberty. In 1904, the company purchased Scheidell purchased the Galilee and Look311 acres of land on the western slope of out, Pa., creameries.” the Shawangunk Mountains near Ellenville Valentine Scheidell died in 1935; he was which they believed contained a large 66. amount of ore made up of considerable percentages of gold, copper, zinc, and lead. Not enough ore was ever found to make the mine commercially viable.

Scheidell, a Democrat, succeeded his father as Supervisor of the town of Callicoon beginning in 1898, becoming the Sullivan County Board of Supervisors youngest member, and later served as the Chairman of the Board. After many years in office, he declined his party’s nomination to run again in 1913, citing as his principal reason the fact that “the duties imposed upon him as supervisor had so multiplied that he found no time to devote to his private interests.”

In addition to his role in establishing the commuValentine Scheidell in 1898

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A List of Directors Since Jeff Bank Began Organized – September 8th, 1913 Charter No. – 10456 Capital Stock - $25,000.00 No. of Shares – 250 shares Directors

Term

George Delap Willam F. Heinle Grover M. Hermann Henry V. Krenrich Robert B. McGinn Otto W. Meyer Valentine Scheidell

1913-1925 1913-1932 1913-1932 1913-1919 1913-1919 1913-1970 Secretary 1913-1934 President 1913-1933 Charles Schmidt 1913-1923 William B. Voorhees 1913-1932 J. Cameron Gain 1914-1952 President 1934-1952 M.E. Galligan 1914-1932 W.H.H. Hoar 1914-1929 George H. Smith 1914-1929 John Townsend 1914-1924 Fred Schmidt 1919-1939 Conrad Metzger 1919-1934 William Deckelman 1919-1975 President 1952-1959 Charles Hoessrich 1926-1928 Jacob Gossweyler 1928-1958 John Wohltjen 1930-1972 Edward Bisland 1930-1933 George H. Raum 1934-1956 William J. Grishaber 1933-1944 William A. Heinle 1944-1974 Frederick W. V. Schadt 1948-1992 President 1959-1986

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Directors

Term

August Lott Edson J. Tegeler Albert J. Menges Gilbert E. Weiss W. Granville Prince Andrew Parker Solomon Katzoff Douglas A. Heinle John W. Galligan James F. Roche Earle Wilde John K. Gempler

1948-1980 1948-1979 1959-1973 1964-2003 1969-1982 1970-1981 1973-2004 1974-2011 1976-present 1979-present 1980-2009 1981-present Secretary 1986 -present Gibson McKean 1981-2006 Edward T. Sykes 1981-present Lawrence H. Cooke 1985-2000 Arthur E. Keesler 1985-2007 President 1987-1994 (first in-house President) Secretary 1971 - 1986 Frederick W. Schadt, Jr.1992-1999 Raymond L. Walter 1994 President 1994-2009 Kenneth C. Klein 2000-present Chairman of the Board Donald L. Knack 2007-present Wayne V. Zanetti 2009-present, President David W. Bodenstein 2012-present Philip Coombe III 2012-present Fred W. Stabbert III 2012-present

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Sullivan County Banking History

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When the First National Bank of Jeffersonville was officially chartered in October of 1913, there were already a number of banks operating in Sullivan County.

A few, such as the National Union Bank in Monticello, founded in 1850, and the Sullivan County National Bank in Liberty, established in 1893, dated back to the 19th Century, but most had been established less than a decade before.

Sullivan County had been enjoying a period of unparalleled prosperity since around 1890, as the railroads had helped establish the region as a tourist destination. During this time, hundreds of small hotels and thousands of farmhouses had begun entertaining summer visitors from the New York metropolitan area. Many hotels and farmhouses, often with a financial incentive from the railroad, built additional rooms to accommodate even more guests. With all the ensuing economic activity, the need for hometown banks increased.

By the end of the 1920s, many of the small communities in the county, such as Livingston Manor, Roscoe, Callicoon, South Fallsburg and Woodridge, had established their own banks, while Monticello and Liberty were each home to more than one. The local banking world was a fairly stable one, even through the decline of the resort industry in the 1920s, the Great Depression of the 1930s and the World War of the 1940s.

Nationwide prosperity following the end of World War II brought new growth to the region, which saw an even more booming resort industry take shape. This also boosted the profitability of the local banks. By 1953, the county was home to 538 hotels, 1,000 rooming 14

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houses, and 50,000 bungalows, and with an estimated two to three million vacationers each summer, the resort industry was reportedly responsible for adding more than $150 million a year to the local economy. It was reported that one of the county’s largest hotels handled so much money each week that it had to spread its banking business among four different local banks.

In 1962, the region’s economy was still a vibrant one with no end to the prosperity in sight, and there were at least eleven small community banks operating in Sullivan County.

Throughout the early 1960s, however, things began to change, as some of the smaller community banks were absorbed by larger counterparts.

The Livingston Manor Bank was one of the

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Contributed by John Conway and Debra Conway/History Prose/Barryville, NY.

first to go, being acquired by Sullivan County National Bank of Liberty in 1962. They also acquired the First National Bank and Trust Co. of Roscoe. First National Bank of Callicoon acquired First National Bank of Narrowsburg and changed their name to United National Bank in 1964. Liberty National Bank acquired South Fallsburg National Bank. Other local banks merged with much larger operations from out of the region. Sullivan County Trust Company in Monticello, for example, took over a Port Jervis bank in 1964 and became known as Intercounty Trust, and then merged with the much larger and rapidly growing County Trust of White Plains in 1966. County Trust was already one of the 55 largest banks in the country, and had 52 branches in

Continued on page 16

First National Bank of Jeffersonville - 1913 Today: Jeff Bank The Livingston Manor Bank - 1911 Sullivan County National Bank of Liberty Norstar Bank Fleet Bank Today: No longer First National Bank and Trust Co. of Roscoe Sullivan County National Bank of Liberty Norstar Bank Fleet Bank Today: Bank of America First National Bank of Callicoon - 1932 United National Bank Norstar Bank Fleet Bank Today: Bank of America First National Bank of Narrowsburg United National Bank Norstar Bank Fleet Bank Today: Bank of America South Fallsburg National Bank - 1920 Liberty National Bank Marine Midland HSBC Today: First Niagara The Sullivan County Trust Co. (Monticello) - 1923 Bank of New York Today: Chase Liberty National Bank Marine Midland HSBC Today: First Niagara Bank Sullivan County National Bank of Liberty - 1893 Norstar Bank Fleet Bank Today: Bank of America National Union Bank of Monticello - 1851 Today: Key Bank First National Bank of Woodridge - 1917 Today: Provident

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Sullivan County Banking History

Continued from page 15

Westchester, Putnam, and Rockland Counties community banks that had been in operation by the time it moved into Sullivan County. in 1962 had vanished. Only the First NaThe merger meant that the Monticello bank tional Bank of Jeffersonville remained. would thereafter operate under the larger JEFF BANK – The Survivor bank’s name and charter.

The First National Bank of Jeffersonville This was a fairly typical scenario, and since had continued to concentrate on maintaining these types of mergers usually meant that a its independence while growing beyond the local bank’s senior management would be village of Jeffersonville. The bank opened headquartered in some distant city, approval its first branch in Eldred in 1967, and eventuof the mergers often included the provision ally expanded throughout the county, estabthat a “local advisory board” be established lishing a total of twelve branches from in the community to keep the bank’s out-ofCallicoon to Bloomingburg. In doing so, Jeff town management apprised of local condiBank brought community banking back to tions and to “preserve the community bank many of the communities, such as Callicoon, atmosphere.” Despite such advisory boards, Narrowsburg, Livingston Manor, and Liberty, however, the newly configured banks were which had lost their own local banks in the community banks only in the sense that they years before. operated a facility within the community.

In keeping up with the times, the bank inRarely in such cases did loan or mortgage stalled a Burroughs computer in the new approval rest solely in local hands, for examOperations Center in 1984. From that seed ple. Connections between bankers and cushas grown Internet banking, online bill paytomers, many established over decades, were ing, telephone banking as well as a network broken and, in some instances, the days of a of ATMs. Customers take advantage of the customer doing business with a banker who ability to access accounts, transfer funds and was also a neighbor were ended. pay bills at their own convenience, twentySullivan County was changing, too. Hunfour hours a day. dreds of hotels and thousands of bungalows By the end of 2012, the decision to convert vanished in little more than a the bank from a national to a decade, and the resorts that conNew York State charter was As the 21st tinued to operate were strugcompleted. The trademark gling to survive. The 1970s and name of Jeff Bank, which had Century arrived, ‘80s were difficult for the county been in use since 2008, now all but one of economically. became the bank’s legal name.

By the end of the 1980s, even By offering residents conventhe eleven the oldest of Sullivan County’s ient and secure banking, by community banks local banking institutions, Namaking customer satisfaction that had been in tional Union Bank in Monticello the ultimate goal, and by forgand Sullivan County National operation in 1962 ing special relationships with its Bank in Liberty, were gone, customers—its neighbors—Jeff had vanished. having been taken over by Key Bank has become a trusted SulBank and Norstar Bank, respeclivan County tradition, a traditively. As the 21st Century artion that is now one hundred rived, all but one of the eleven years old.

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www.mikepreis.com

Happy 100th Birthday & Many More!

Cooper, Niemann & Co. Certified Public Accountants Reaching new heights with an eye on tomorrow Accounting & Auditing • Corporate, Partnership, & LLC Taxation • Individual Planning & Taxation Estates & Trusts • Financial Statements •Business Valuations Governments, Schools & Not-For-Profits QuickBooks Pro Advisors

740 Route 17B • Mongaup Valley, NY • 845-796-1800 168 Main St • Goshen, NY • 845-294-5503 133 Route 304 • Bardonia, NY • 845-623-0300

APRIL

2013

JEFF BANK

100TH

CNIE-126623

Management Advisory Services • Computer Consulting

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RGRO-126386 #VJMEFST r %FWFMPQFST r $POTUSVDUJPO .BOBHFST r $POTVMUBOUT

t

sbui-126360

LP TANK FILL 20lb. tank $13.90 30lb. tank $19.46 40lb. TANKS AND 100lb. TANKS AT $2.78 PER GAL. WAS $3.78 PER GAL

Large selection of Aluminum and Fiberglass pick-up caps in stock or on order for all make & size trucks Full stock of RV parts, supplies and service

After 50 years we are proud to congratulate Jeff Bank on their 100 years of service to businesses and the people of Sullivan County

We have had success because of their loans & financing for us • Used trailers from $500 to $800 & up • Delivery to your land or campground at low cost

• From 1 - location we grew to 3 over the years • Large second home trailers - 30’ to 42’ with or without slide outs

Rt 52, Youngsville, NY 7 miles West of Liberty, NY 22

JEFF BANK

100TH

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PBOA-126370

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WILLIAM H. CHELLIS, ESQ. A TTORNEY

AND

COUNSELOR

AT

LAW

CLOw-126326

PO Box 624 27 Maple Ave., Jeffersonville, New York 12748 (845) 482-3405 whchellis@gmail.com

The Family Drug Store

ADVANCED AN A

Health & Medical 21 MILL ST T.,. LIB LIBERTY, NY

APRIL

2013

JEFF BANK

100TH

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JEFF BANK

100TH

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A P R I L 2013

Advancing Patient Care for Our Community

Congratulates Jeff Bank Thank You for All that You Do for Our Community!

s ! VARIETY OF SIZES AND STYLES BUILT ON YOUR PROPERTY

s 3ELECTION OF GAZEBOS OUTDOOR FURNITURE AND PICNIC TABLES

Hours: Monday through Friday, 8 a.m. to 4:30 p.m.

Saturday, 9 a.m. to 3 p.m.

F-GR-126206

F-CR-126205

www.crmcny.org

Storage Sheds and Custom Garages

GREY’S WOODWORKS STORAGE SHEDS AND GARAGES 7862 Route Rout ute 55 | P.O. P.O. . Box 420 | Gr Grah G Grahamsville, r hamsvville, New N Y York o 1274 12740 740 845.985.7006 8455.985.77006 | greyswoodworks.com greyswoodw gr dworks.ccom

Congratulations & Thanks To Jeff Bank

Congratulations!

For 100 years of distinguished service to our community

We appreciate all of your contributions to our community!

Thank You From management and staff at

VILLAGE OF JEFFERSONVILLE 17 Center Street - PO Box 555 Jeffersonville, New York 12748 Tel: 845-482-4275 Fax: 845-482-5298 JVIL-126611

APRIL

2013

Callicoon, N.Y. • (845)887-4880 www.villaroma.com VRCO-126503

JEFF BANK

100TH

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SCCE-126251

Congratulations Jeff Bank for 100 Years of Service.

Tel. 845-292-3430 • Fax 845-292-3437 Pharmacist Samir K. Shah R. Ph 187 Mill Street (LIBERTY PLAZA) Liberty, NY 12754

25 Years of Caring, Comfort and Compassion HOSP-126208

K&KP-126226

Happy Birthday Jeff Bank!

IF SOMEONE YOU LOVE HAS BEEN DIAGNOSED WITH A MENTAL ILLNESS, YOU ARE NOT ALONE!

FFOR-126673

26

NAMI (NATIONAL ALLIANCE ON MENTAL ILLNESS) OF SULLIVAN COUNTY CAN HELP!

Family Support, Education, Advocacy,Empowerment, Referral to Clinical Services

(845) 794-1029 amifamh@aol.com JEFF BANK

100TH

A N N I V E R S A RY

A P R I L 2013

“Happy 100th Birthday”

Joseph N. Garlick Funeral Home Inc. Exclusively Serving the Jewish Community Jewish Owned & Independently Operated

794-7474 GARL-126658

APRIL

2013

388 Broadway Monticello

647-7747 186 Canal St. Ellenville

www.josephngarlickfuneralhome.com

JEFF BANK

100TH

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Congratulations to Jeff Bank for 100 years of financial services

Investment Advisors Creating and Preserving Wealth Philip Coombe III, CFP 速

Catherine Bender, CFP 速

P.O. Box 333, 6872 Route 209 Wawarsing, NY 12489 Phone (845) 647-4800 Email: pcoombe@coombefinancial.com Website: coombebender.com COOM-126316

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JEFF BANK

100TH

A N N I V E R S A RY

A P R I L 2013