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News:  10/28/14
New Internet Online Banking 4.4 Release Loaded

Our new Internet Online Banking 4.4 Release has been loaded this morning Tuesday, October 28th.  The new themes and colors in this release gives our Internet Online Banking product a new look and feel. Our customers will find it easier to get the financial information they need, along with improves the customer’s Online Banking experience.  The following message was added to our Password screen:

Welcome to Mercer County State Bank Online Banking.    

We have just launched our improved Online Banking with a new look, and ease of use.  We hope you like it!

Also, recently we have added Checking and Savings eStatements.   Enroll today!

Please enter your password, and then click Submit.  If you have any problems or questions, please contact the Customer Care Center at 800-376-7015 for assistance.

News:  08/11/08
New Internet Online Banking 3.9 Release Loaded

The new Internet Banking 3.9 Release has been loaded this morning, Monday August 11th.  The new features and enhancements in this release give the nation’s most popular Internet Banking product a new look and feel that are already generating a lot of excitement. Our customers will find it easier to log in and get the financial information they need. A new consolidated Options page, where customers can edit their personal and security information, as well as enhanced relationship and account summary pages, also improves the customer’s online banking experience.

 

SIMPLIFIED NAVIGATION
Effortless navigation distinguishes our Internet banking module from those of our competitors and helps meet the Internet banking expectations of our customers.

 

Enhanced Login Capabilities

The addition of a drop-down menu on the Internet Banking eCom login page lets our customers jump directly to the specific area in Internet Banking eCom they want to display, saving them time and requiring fewer clicks to perform financial tasks online.

NAVIGATION - Detailed View of Relationships

A new relationship summary page provides customers with an overall view of their relationships with Mercer County State Bank. Customers use their relationship summary page to view real-time balances and account histories of multiple accounts. They can also transfer funds, make third-party payments using Bill Payer, schedule future transactions, and perform a variety of other functions.

New Account Summary Page

Another addition to Internet Banking eCom, the account summary page, provides a convenient method for viewing individual account information. Customers can perform express transfers between accounts, view account history, review existing transfers or schedule new transfers and payments – all from one screen. The new drop-down menus and information-sorting capabilities provide the tools to manage funds more efficiently. Customers use a drop-down menu at the top of the page to select the account they want to view from a list of all their accounts. On each account summary page, a Transactions section displays account history. Another drop-down menu gives customers the option to select the type of history shown, such as Recent Transactions or Current Statement.  The account summary page also furnishes customers with options for sorting a variety of information, including data from the Transactions, Scheduled Transfers, and Scheduled Payments sections. Clicking on a column heading, such as Check Number or Debit, sorts transactions numerically or alphabetically, while clicking again on the heading reverses the order. Customers can use the column sorting feature to locate specific account activity when only a fragment of information is known, such as an amount or date.

ENHANCED CUSTOMER SERVICE
Personal Information Management

The new Options page in Internet Banking eCom enables customers to quickly and efficiently manage their personal and security information on one convenient page. Your Internet Banking eCom customers can view and edit the following on their Options page:

Password

Theme

Security Data

Primary Account

E-Mail Address

Account Nicknames

Security Question and Answer  

If you have any problems logging into our Internet Banking product, please call our Bookkeeping area for assistance at 724-376-7015 or 800-376-7015.

News:  05/30/08
Changes to Internet Banking Log-in - Effective on Friday, May 30th @9:00 AM

T
his is a notification that on Friday, May 30th at 9:00 AM, Mercer County State Bank's Internet Banking log-in is moving to a newer secure domain address, and the application will no longer be accessible from the old address.   

1.  Customers who are accessing Internet Banking from our Home page (www.mcsbank.com) will be automatically  directed to the new secure domain address after 9:00 AM on Friday, May 30th.   

2.  When customers log-in to the new domain address for the first time, they will be required to answer one of their multifactor authentication (MFA) security challenge questions that they have initially answered.  A successful answer enables customers to optionally re-register their PC, which ensures they will not be challenged with the security questions the next time they log in. 

3.  Customers who have bookmarked Mercer County State Bank's Internet Banking Log-in page will need to return to www.mcsbank.com to access the new secure domain log-in address.  If not, the customer could receive the following message:
                                                     
              Invalid Address
The address entered in your browser is invalid. If you believe you have reached this page in error, please navigate to your institution's home page to access online banking.

The change to a newer secure log-in domain address is preparing us for a newer version of Internet Banking which is coming this summer.  Listed below are just a few of the new enhancements that will be coming soon:

1.   The addition of memoposted items on Current Statement Transactions, new column sorting capabilities and streamlined account-to-account navigation makes it even easier for customers to log in and get the financial information they need.

2.   The Transactions menu will include a Recent Transactions page, which displays both current and previous business day transactions.

3.  Several pages will be consolidated to create an Options page where customers can edit all of their personal and security information.

If you have any problems logging into our Internet Banking product, please call our Bookkeeping area for assistance at 724-376-7015 or 800-376-7015.

News:  01/01/2005
Press Release Mercer County State Bank and the Community Say “Thanks for Everything!” 
Three Board Directors Retire


From left to right, Harold A. McQuiston (standing), Glenn Snyder (sitting), James C. Henderson (standing)
They have been such an integral part of the local community and to the Mercer County State Bank. And they will be missed dearly. These three men have dedicated 87 total years to the bank and have guided the bank through tremendous growth. They have also been very active in local, community events. How do you say “goodbye”? You don’t! Instead you say “Thanks” and “stop in and visit any old time.” 

 

Who are these three valuable directors?  Let’s recap.

James C. Henderson served the board for 35 years and has “lived locally all my life” (as Jim put it!).  He was a 1943 graduate of Sandy Lake High School and a 1950 graduate of Grove City College. He and his wife, Nancy, are proud parents to four daughters. Jim has been an engineer for CB&I in Greenville for 32 years. On his retirement Jim stated, “Mercer County State Bank has shown remarkable growth during my involvement as a director. A number of branches have been added including Cambridge Springs, Meadville, Cochranton, and Clintonville with several branches in Mercer County. Many services have been added, including an investment broker and an insurance broker.”

Harold A. McQuiston has devoted 30 years to the bank and he has been a local resident for 80 short years! He attended New Vernon Township Elementary School and Sandy Lake High School. Harold and his wife, Sally have been local residents for years. Harold has four children: Bruce McQuiston (Insurance), Ellen Maloney (a teacher), Cathie McQuiston (an attorney), and Susan McQuiston (a teacher and basketball coach). Harold has been involved in a local jewelry store and McQuiston Insurance Agency. His thoughts on the bank, “I have been honored to serve on the Mercer County State Bank board for 30 years and realize what a fine bank it is for the customers that are served by the bank. To the excellent employees and management team…..Thank you!”

Glenn Snyder has served on the board for 22 years and has been a local resident for 50 years. He is a graduate from Franklin High School. He and his wife, Shirley, reside in Sandy Lake and raised their 4 children here (Sharlene, Ronald, Robert, and Susan). On his retirement he added, “I am confident that the new leadership of the bank can and will remain faithful to the ideals, goals, and philosophy that has always been the foundation of our continuing success.”

As you can see, these three men have dedicated themselves to this wonderful community and to the customers of the Mercer County State Bank…..Community Minded….Just Like You!

News:  05/13/2005
Press Release for
Mercer County State Bank Unites with McQuiston Insurance and Hume Insurance Agency
Sandy Lake, PA – You’ve heard the expression, “United we stand…”, and no where does it ring more true than here in the Lakeview area.  Two longtime businesses have joined forces to bring their shared clientele strength and support in the ever-changing world of business.

In October 2004, Mercer County State Bank formally acquired McQuiston Insurance in Sandy Lake, and Hume Insurance Agency in Grove City, but the idea was put into motion long before that.  Bruce McQuiston, of McQuiston Insurance, explains that plans for the merger began approximately two years before, when he approached the president of Mercer County State Bank, Ray Kaltenbaugh, and suggested that the bank should consider combining the insurance services with banking products, as a way to improve the convenience and quality of service to the community. 

Ray Kaltenbaugh and Bruce McQuiston

Bruce, a lifelong resident of the community, and a 3rd generation of McQuistons in Sandy Lake, graduated from Lakeview High School.  McQuiston Insurance agency was founded by Bruce’s father in 1954.  Seeing the potential for a great career in the insurance business, Bruce obtained his insurance license in November 1974 and began his employment at the agency. He attended Dickenson College in Carlisle, Pennsylvania, and Mills College in Oakland, California.  Bruce has completed many LUTC classes, as well as, enrolls annually in insurance Continued Education classes.  In May 1991, Bruce purchased McQuiston Insurance agency from his father.

The opportunity to acquire the Hume Insurance Agency came about in 1995, when Bruce presented a proposal to George Hume, who was the owner at that time.  Hume Insurance Agency was started in 1920 by George’s father, Robert E. Hume.  George joined the business in 1950.  Bruce had a vision for the union believing that continuity and the strong similarity of goals would enhance community service. 

The history of family relationships with Mercer County State Bank and McQuiston Insurance comes from lifelong friendships.  In light of current market trends with the banking industry joining forces with insurance companies, Bruce realized that it would be in the best interest for all to combine the two businesses.  He said, “I knew their beliefs and goals were extremely compatible with my own visions of the future of the community, and its future needs.”  McQuiston Insurance and Hume Insurance Agency offer insurance products for Life, Health, Home, Auto, Business, and Flood.  The employees at both of the insurance agencies are now under the same umbrella as Mercer County State Bank.

During the first six months of the merger, McQuiston Insurance has embraced new opportunities in the business world.  “With the combined efforts of meeting goals, and a clearer vision of future growth through team effort, organization, and trust,” explains Bruce, “this is a great benefit to everyone.”  He invites everyone to stop in and visit both agencies, and the staff will be happy to help with any questions or concerns.  Ray Kaltenbaugh added “Market trends and relationships will expand as both businesses continue to realize their combined strength, and strive to provide the quality customer service and products that have made both Mercer County State Bank and McQuiston Insurance survivors, even in times of change.”  More quality in service, more quality in products, more quality in employees.   In a word….quality.

News:  03/21/2005
Press Release for Community Banking Week -
Mercer County State Bank Joins in Community Banking Celebration
Sandy Lake, PA – Mercer County State Bank joins community bankers throughout the nation to celebrate Community Banking Month, in April.  This year’s theme, “Community Banking Yields Community Benefits” will be demonstrated during the bank’s celebration activities, concentrating on the week of April 11-16, which has been designated Community Banking Week in Pennsylvania. 

On Friday, April 15th, Mercer County State Bank will be hosting a “Customer Appreciation Day” at all of their 9 locations.  Along with refreshments, Mercer County State Bank will be holding a coloring contest, and giveaways.  Celebrating “Customer Appreciation Day” is one way that Mercer County State Bank would like to convey the community banking mission, and the unique criteria which differentiate them from other financial institutions. 

“Most people who do business with our bank think that personal service is what sets us apart, but the benefits of community banking are much more; reaching to the very heart of our local communities,” said Ray Kaltenbaugh, bank president and CEO. 

Community banks operate differently from the larger financial institutions.  In contrast, community banks put the people of their communities first in all financial decisions made, which are done locally; employees are local residents; and reinvesting in the communities which we serve is a high priority. 

Community Banking Week is sponsored by the Pennsylvania Association of Community Bankers, a state-wide organization with more than 250 community banking institutions as members.

News:   03/07/2005
Press Release for Mercer County State Bank Tsunami Donation
Mercer County State Bank and its communities once again joined forces to provide assistance to those in need.  For the victims of the tsunami disaster, the employees and residents of the counties in which Mercer County State Bank serves have opened their hearts and generously donated money to World Vision, a Christian relief and development organization. 

Collections for the disaster victims were held in January at the local branches, and money was donated by Mercer County State Bank customers.  The bank employees also held a collection, and that total was matched by the Board of Directors.   A grand total of $4,177.97 in contributions was collected and sent to World Vision for relief and recovery assistance. 

The bank extends a heartfelt thank you to all their customers that donated so generously.  In addition, the bank also commends the employees and the Board of Directors for their efforts in contributing to the relief of those who are suffering from the disaster.  Mercer County State Bank is proud to be a part of the communities it serves.

News:   01/28/2005
2004 IN REVIEW by Gary Stamp
2004 brought exciting changes to Mercer County State Bank, your local community Bank.  One of the highlights was in October when Mercer County State Bank purchased the McQuiston Insurance Agency in Sandy Lake, which also included the Hume Agency in Grove City.  This new team affiliation will benefit our customers with many additional insurance products and services. 

Another major effort of the bank was the construction of the new Meadville Office. The current office in the Meadville Mall will be relocated to the new facility in January 2005 with a grand opening celebration on February 4th and 5th.  This new location will provide better access for our customers and will include drive up banking and drive up ATM facilities. 

On the deposit side of the bank, new checking account products were added for consumer and business customers. And internet banking has done much better than expected.  Customers appreciate the convenience of 24/7 banking. And the impact of Check 21? The changes and confusion expected with the enactment of the Check 21 legislation in October never seemed to materialize for Mercer County State Bank.   

Many more behind the scenes technological improvements will be made in 2005.  A new customer service system designed to speed up and simplify processing new accounts will be implemented. In addition, an updated teller processing system will be installed. Both of  these improvements will increase the efficiencies of processing customer transactions. 

So yes, 2004 was full of new and fun changes….but 2005 promises even more.

News:   01/31/2004
2003 IN REVIEW by Gary Stamp
2003 was another year of change at Mercer County State Bank to better serve our customers and maintain the Bank’s focus on our local communities.

December 31 brought the retirement of the Bank’s Chairman of the Board, Robert A. Kaltenbaugh.  A Board member since 1963 and Chairman since 1995, Mr. Kaltenbaugh was a great asset to the Board during his 40 years of service.  His participation and contributions to the Bank Board will be sorely missed.

Replacing Mr. Kaltenbaugh as Board Chairman will be James C. Henderson who has been affiliated with Mercer County State Bank since 1987.  A life time local resident and a retired engineer, Mr. Henderson previously was on the Board of the First National Bank of Stoneboro which merged with Mercer County State Bank in 1990.

New products and services were also introduced in 2003.  Three new ATM locations were added, including a new ATM at Walt’s Golden Dawn in Mercer.  This will be a convenient location for our many Mercer customers who have asked us for this service.  Internet Banking and Internet Bill Paying were introduced in June 2003 and both have been received very well by our customers.  Internet Banking provides the customer with the capability to transfer funds between their Bank accounts, make loan payments, get account statements and even get copies of their checks directly from their personal computer - all at no additional charge.  Internet Bill Payer enables customers to pay all their household bills also directly from their personal computer – no checks to write, no envelopes and no stamps to buy.

Additional products and services added in 2003 were a mortgage loan tax and insurance escrow service, commercial equipment leasing available directly from the Bank’s business lenders and additional lending staff was added for business loans and residential mortgages.

2004 will also bring more new services and products to better serve our customers.  New deposit products will be introduced early in the year as well as expanded business and consumer loan products.  Technology improvements are also planned throughout the Bank to provide faster and more comprehensive services to all customers.

News:   01/07/2004
Ray J. Kaltenbaugh, President and CEO of Mercer County State Bank, has announced the retirement of Director and Chairman of the Board, Robert A. Kaltenbaugh.  Robert started in 1963 as a Director of Mercer County State Bank.  In 1995 he was appointed Chairman of the Board; a position that he held until his retirement in December 2003.  Robert is the retired owner of Walker Chevrolet, Inc. in Sandy Lake.  He currently serves on the Houghton College board of Houghton, New York, past president of the Sandy Lake Borough Council, past president of the Sandy Lake Rotary Club, and various local and district church boards.  Mr. Kaltenbaugh has contributed to the development of many business projects in the Sandy Lake area.  Mr. Kaltenbaugh and his wife, Jean, reside in Sandy Lake.

James C. Henderson has been appointed to serve as Chairman of the Board of Directors of Mercer County State Bank.  Mr. Henderson is a graduate of Grove City College where he received his Professional Engineer’s License.  Mr. Henderson also served as an Air Force navigator in World War II with a rank of 2nd Lieutenant.  He has served as past president of the Lakeview School Board, is on the Board of Directors for the Stoneboro Fair, a member and past president of the Stoneboro Lions Club, and currently serves on the Board of Directors for Mercer County Historical Society, as well as, the Board of Directors at Mercer County State Bank.  Mr. Henderson and his wife, Nancy, reside in the Stoneboro area.

Joseph C. Paparone II has been appointed to serve as Director on the board at Mercer County State Bank.  Mr. Paparone is a CPA and serves as the Partner in Charge of the Grove City office of McGill, Power, Bell & Associates, LLP.  His practice included specializations in the Nonprofit and Governmental auditing, while also providing consulting service to privately-held companies.  Mr. Paparone is a former member of the Board of Directors of the Grove City Area Chamber of Commerce, and has served on the Executive Committee of the Northwest Pennsylvania Chapter of the Pennsylvania Institute of Certified Public Accountants.  Mr. Paparone resides in Grove City with his wife, Stacy, and his two children, Elizabeth and Nicholas.

News:   02/27/2003
On April 1, 2002 our President, Glenn Snyder retired after 40 years of service to Mercer County State Bank. His contributions to the bank and its progress into the 21st century are greatly appreciated.  Glenn was instrumental in the branch expansion the bank entered into during the mid 90's, as well as, many other areas of growth. 

Upon Glenn's retirement, chief executive officer Ray Kaltenbaugh was promoted to President and CEO. Ray has been with the bank since 1969 and has been CEO since April of 2000. As CEO, Ray was in charge of the bank's operations during that time and the transaction was then a very smooth process.

Regardless of the change in leadership, the bank still plans to remain an Independent Community Bank as it has been since 1911. The bank did not add any new branches in 2002, but a drive-through ATM was added to our Fredonia office in late 2002.  We have nine retail branches along with a data center and loan center.  The bank employed 90 full time persons at the end of 2002. Our total assets were over 239 million at year end, which was a 9 percent increase over 2001. Deposits grew approximately 6 percent for the year. Loan growth was minimal as the bank completed its first year of selling mortgages through the secondary market using the Federal Home Loan Bank.

The bank continues to directly service all mortgages, including those sold. (This means our mortgage customers will always be dealing directly with Mercer County State Bank when they make their payments, as well as, if they should have questions.)  Using the Federal Home Loan Bank program allows the bank to be competitive in offering a wide range of mortgage products to meet all the needs of our customers.

Our TeleBanc service handled over 30,000 calls in the month of December as compared to 8,100 calls in December of 1998. Its usage has continued to increase almost every month.  Plans for the coming year include introducing Internet banking with a bill paying option to our checking account customer very early in the second quarter. We also plan to offer escrowing to our new mortgage customers sometime in the third quarter and to existing mortgage customers sometime after that.

We are looking forward to 2003 as a year in which the economy begins to improve locally as well as nationally.  

News:   05/07/2001
Mercer County State Bank is pleased to announce the opening of their ninth office, located in Cambridge Springs, this office joins the Cochranton Office and Meadville Mall Office to became the third location in Crawford County.  Grand Opening Celebrations are being held May 7 - 12.  

Stop by our new office and visit with the friendly staff.  We're looking forward to this new relationship - doing what community banks do best - making a difference in our community.

News:  01/16/2001
Mercer County State Bank of Sandy Lake, Pa. has agreed to purchase Mellon Bank's Cambridge Springs office, located in Crawford County, Pennsylvania.

The acquisition will be the ninth branch office of Mercer County State Bank and third in Crawford County, the others being in Vernon Township and Cochranton.

This agreement is subject to regulatory approval by the State Banking Department and The Federal Deposit Insurance Corp.  Closing is expected to occur in the second of quarter of 2001.

Ray Kaltenbaugh, Chief Executive Officer of Mercer County State Bank, states that the branch in Cambridge Springs is a natural extension of our banking area and is a key acquisition in the bank's plans for continued growth.  Mr. Kaltenbaugh also stated that all present employees of the Cambridge Springs office will be offered the opportunity to participate in establishing Mercer County State Bank's presence in the community.

News:   03/01/2000
Mercer County State Bank plans to open a branch at the former PNC office inside the Meadville Mall in Vernon Township.

"We've applied to the FDIC (Federal Deposit Insurance Corp.) and the state," said Glenn Snyder, Mercer County State Bank President.   "We have to get approval from federal and state regulators.  I can't really give a date, but we expect to be open in the second quarter.  We have had many requests for a branch in the Meadville area.  We intend it to be a full-service office.  We have high expectations for it."

The office will have an ATM and plans to create a drive-in facility are being discussed.  The office is expected to employ between six and ten workers when it opens.

The Meadville office will be Mercer County State Bank's eighth branch overall and its second in Crawford County.  The other Crawford County branch is located inside the Market Place supermarket in Cochranton.  However, the supermarket office will be replaced later this year with a freestanding office, which will be located along Franklin Street near the U.S. Post Office in Cochranton.  The new Cochranton office will be a full-service office with three drive-in lanes.

Recap of Year 2000
Mercer County State Bank (MCSB) entered into an arrangement with Walnut Street Securities, Inc. in 2000 to provide customers with financial planning and investment opportunities.  A licensed professional is now available to help customers plan a strategy to meet their personal financial objectives.   A broad range of investment products and services is available including estate planning, trust services, mutual funds, annuities, insurance, common stocks and full brokerage services.  Appointments can be arranged through any MCSB office to provide customers with an investment professional to help them with their personal finances and investments.

2000 saw the remaking of the former restaurant in Sandy Lake into a loan-processing center for Mercer County State Bank.   The Mortgage Processing Center opened in September 2000 for the processing of loan documentation and home for the Secondary Market Mortgage Department.  Centralization of processing, as well as specialization within the mortgage department will provide customers with better service and additional mortgage products.

A new product introduced in 2000 was the Business Advantage Account - a comprehensive business package that enables smaller businesses to take advantage of certain discounts and services.  Equipment Leasing, Investment Sweep Accounts, SBA Loans, Insurance Products, a Toll Free Call Center as well as discounts on long distance phone service, office products, check orders and much more are available to help the business owner save time and money.

In April 2000, Mercer County State Bank opened its doors to a new location in the Meadville Mall.  This spacious office employs five full time employees and part-time help, as needed.  The full service branch located inside the Meadville Mall, is the second location for MCSB in Crawford County.  Located at 16881 Conneaut Lake Road, Suite 120, this newest office provides opportunity for growth as well as additional convenience for existing customers.  Mercer County State Bank looks forward to the opportunity to meet the financial needs of the Crawford County area.

In June 2000, the Cochranton office, formerly located inside the Market Place, moved to its new location at 110 North Franklin Street.  This full service branch includes a drive-up ATM, three drive through lanes as well as safe deposit box rentals, previously not available at the former location.  Originally opened in 1997, the Cochranton branch was the first de nova branch for Mercer County State Bank as well as the first branch located in Crawford County.  Branch growth, as well as customer's needs, prompted management to seek options for a new site that would provide services not available in a supermarket branch environment.  Property was purchased and a new office constructed based on similar designs of the Sandy Lake Service Center and Jackson Township Offices.  Opened in June 2000, this new location provides additional opportunities for growth in the Crawford County area, as well as northern Mercer County.   The Cochranton vicinity has been very receptive to the addition of Mercer County State Bank in the community.

The Data Center, located at Franklin Street in Sandy Lake, has been upgrading and replacing equipment in order to prepare for the future.  A new phone system was installed in 2000 that enables customers to reach an officer's voice mail to leave messages when the officer is unavailable.  A new NDP500 Proof Machine was ordered, to be installed in early 2001, that will enable MCSB to archive images of checks for easier research as well as the ability to offer check imaging statements in the future.  An internet Portal system was also purchased that will provide customers the opportunity to customize their own log-in internet page with information and links for news, sports, stock quotes, weather and much more.

Recap of Year 1999
The Data Center was very busy in 1999 with the Year 2000 project. All mission critical hardware and software were tested and either upgraded or replaced, as needed. Much appreciation is extended to the Data Center personnel and Year 2000 Committee for their dedication and hours spent working on the Y2K project to ensure that customer service would continue uninterrupted into the new millennium. The Year 2000 project not only prepared the institution for January 1, 2000 – the changes that were implemented lay the foundation for improved services in the future.

With power outages occurring periodically, a diesel backup generator was purchased for the Data Center. The generator was installed during the summer and can provide electrical power to the entire building. Within seconds of a power outage, the generator will supply power to the Data Center in order to keep operations running indefinitely.

The mainframe computer upgrade was purchased in 1999 and was installed in the first quarter of 2000. The new system will accommodate the bank’s continuing growth as well as increase on-line network access, thus providing better customer service. The newer system also allows the possibility of adding Internet banking to the services provided to our customers.

Mercer County State Bank has taken positive steps toward improving its loan options for customers. A partnership has been formed with PHH Mortgage Services, a division of Cendant Corporation, in the mortgage department. The relationship with PHH provides the ability to write longer-term fixed rate loans that previously were not available at Mercer County State Bank. Options are available for terms up to 30 years on a fixed rate and as little as zero percent down.

Mercer County State Bank was honored as Business of the Year for 1999 by the Sheakleyville Fire Department. Mercer County State Bank has been a strong supporter of the Sheakleyville Homecoming sponsored by the Fire Department.

1999 was a special year for the town of Sandy Lake – they celebrated their Sesquicentennial during the summer. Mercer County State Bank was represented in the parade with a float entitled "Banking - Yesterday, Today and Tomorrow". Parade participants had a great time, in spite of the drenching downpour midway through the parade route.

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