Jeff Bank 100th Anniversary Issue

100th Anniversary

A SPECIAL SECTION OF THE SULLIVAN COUNTY DEMOCRAT • APRIL 2013

2 J E F F B A N K 100 T H A N N I V E R S A RY A P R I L 2013

845/482.4000 • www.jeffbank.com • www.facebook.com/jeffersonvillebank

BLOOMINGBURG • CALLICOON • ELDRED • JEFFERSONVILLE • LIBERTY • LIVINGSTON MANORLOCH SHELDRAKE • MONTICELLO • NARROWSBURG • WAL-MART • WHITE LAKE • WURTSBORO

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:

��

��

American Cancer Society

(Relay for Life)

Sullivan CountySPCA

Boys & Girls Club

Hospice of Orange & Sullivan

Jeff Bank100th Anniversary Matching Funds

P.O. Box 398Jeffersonville, 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.

��GIFT MATCH

JEBA-126531

A P R I L 2013 J E F F B A N K 100 T H A N N I V E R S A RY 3

rust. Integrity. Respect. These threevalues are at the core of Jeff Bank’sbusiness model and have been inte-

gral to its success during the last 100years.

From its modest beginnings in 1913,Jeff Bank has grown up to become Sulli-van County’s largest community bank,serving every corner of the county withits 12 branches and nearly 135 employ-ees while claiming a 31 percent marketshare.

The bank has worked hard to fulfill itsmission statement of providing its 1,100shareholders with a fair return on theirinvestments while maintaining a highlevel of customer satisfaction by;

• Operating as an independent, fullservice community bank, dedicated toimproving its market share,

• Providing prompt and courteousservice to assure that each and everycustomer is treated with trust, integrityand respect,

• Continuous development of its em-ployees and promoting a stable, satisfy-ing work environment, and

• Fulfilling its commitment to its cus-tomers and the local communities.

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

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

The employees of the bank truly careabout the communities which theyserve – and it shows. Donating money,collecting food, rolling up their sleevesand getting involved – Jeff Bank’s tal-ented group has shown time and againhow much they are invested in the com-munity they serve and how much theywant it to succeed.

From Sullivan County Community Col-lege to the Sullivan County SPCA, Hos-pice of Orange and Sullivan and beyond,Jeff Bank worked hard to make a differ-ence in the quality of life of the residentsthey serve.

Community banking is very differentfrom the mega banks which now dot thenational landscape. With a local board ofdirectors committed to helping the econ-omy grow by reinvesting money in localbusiness, the bank’s focus has, and willcontinue to be, the improvement of Sul-livan County.

So as the largest community bank inSullivan County celebrates its 100thbirthday, we would like to extend ourbest wishes for much continued successand commend Jeff Bank for truly makinga difference to the people and communi-ties which they serve.

And as their slogan once said, “ThanksJeff!”

T

Jeff Bank KeepsCommunity First

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

Fred Stabbert IIIDan Hust Rosalie MyckaLaura StabbertLiz TuckerKatie Peake & Cecilia Lamy Sue BodensteinSue ConklinSue OwensTracy Swendsen

Publisher Editor

Design and LayoutDirector of Marketing

Display Advertising DirectorAdvertising Sales

Advertising CoordinatorAdvertising DesignBusiness Manager

Production

Jeff Bank100th Anniversary

C O N T E N T S


he year is 1913. Woodrow Wilsonbecomes the 28th president of theUnited States. The 16th Amend-

ment to the U.S. Constitution is ratified, au-thorizing the federal income tax. And aredesigned Grand Central Station reopens inNew York City, as the largest train station inthe world.

It is a pivotal year in Sullivan County, aswell. It is the peak year for passenger travelon the Ontario & Western Railway, whichfeeds the county’s major resorts. The declinein travel in subsequent years would signal theend of what had been nearly a quarter of acentury of prosperous tourism in the area.And a disastrous fire strikes the village of Lib-erty on June 13th—Friday the 13th-- destroy-ing nearly half of the village’s business district.

Meanwhile, the small community of Jeffer-sonville, home to about 500 people, ispoised to get electrical service for the firsttime. And The First National Bank of Jeffer-sonville receives its charter and unveils plansfor a newly constructed, state- of- the-art,fireproof building on the corner of East MainStreet and Maple Avenue.

The saga of The First National Bank of Jef-fersonville began when five local business-men - Louis P. Faubel, Henry U. Krenrich,

Otto W. Meyer, and Charles and FredSchmidt - applied for a charter to establish alocal bank. At that time, most people in thecommunity who utilized banking servicesdid so either in Callicoon or in Liberty.

On August 28, 1913, Jeffersonville’s weeklynewspaper, the Sullivan County Record, rana story on its front page announcing that thepetition for the bank had been granted.

“The comptroller of the currency hasgranted the application for the organizing ofthe First National Bank of Jeffersonville. Thedirectors and officers of the bank have not yetbeen selected, but in all probability the presi-dent will be Val Scheidell, who is the movingspirit in this enterprise as he is and has beenin all other important projects in this commu-nity. Plans are being completed for the newtwo story concrete bank building which is tograce the northeast corner of East Main Streetand Maple Avenue.”

When the first directors and officers werechosen on September 8, Valentine Scheidell,businessman, entrepreneur, and longtime su-pervisor of the town of Callicoon, was in-deed chosen as bank president, whileWilliam B. Vorhees of Roscoe was selectedvice president and Charles Schmidt cashier.Other directors included: William F. Heinle

Contributed by

John Conway and

Debra Conway/History

Prose/Barryville, NY.

O&W Station in Liberty

JEFF BANK – The Inception

T

of Cochecton Center;Grover M. Hermann ofCallicoon; George DeLapof Kenoza Lake; and OttoW. Meyer, Henry U. Kren-rich, and Robert B.McGinn, of Jeffersonville.These men served until thefirst annual meeting ofstockholders was held thefollowing January.

On October 28, 1913,the First National Bank ofJeffersonville was officiallyauthorized to do businessby Thomas P. Kane, the acting Comptrollerof the Currency. The official announcementwas published in the Sullivan CountyRecord for a number of successive issueslater that year.

On Monday, January 5, 1914, The FirstNational Bank of Jeffersonville opened forbusiness in its still unfinished building onthe corner of East Main Street and MapleAvenue. The bank’s counters and deskshad been delayed in shipping and tempo-rary partitions and desks had to be pressedinto service. Seventy-five accounts wereopened the first day, and nearly $10,000 indeposits was received. The Sullivan CountyRecord reported that was “considered veryfavorable for this time of year.” More than$20,000 was deposited in the six days of

the bank’s operation.The paper also reported: “The first deposi-

tor was George DeLap of Kenoza Lake. AsGeorge engineered the construction of thefine bank building, it is but natural that hewould wish to be the first depositor…The fin-ishing touches were put on the interior wallsof the bank building this week. The exteriorwill be finished up with a wash whenwarmer weather permits. Joseph Rapp, mar-ble cutter, on Tuesday finished the job ofcarving the name of the bank in raised lettersacross the front of the building.”

The new bank building featured hot waterheat, electric lights, and modern plumbingfixtures. There was no exposed woodworkin any part of the building, which was sup-posed to make it virtually fireproof. Thesecond story featured four offices, and thehighlight of the building was an Ely-NorrisSafe from the Remington-Sherman-Ely-NorrisSafe Company of New York City that wasconsidered burglar proof. The safe includeda three ton manganese steel vault door witha double time lock.

When the new bank’s stockholders heldtheir first Annual Meeting on January 13,1914, a new, expanded slate of directors waselected, and in addition to the original nine,Jeffersonville physician Dr. J. Cameron Gain,John Townsend, one time Neversink Super-visor Dr. W.H.H. Hoar of Grahamsville,Judge George H. Smith of Woodbourne, andMichael E. Galligan of Forestburgh werechosen. The Record editorialized that thegroup “represented every section of thecounty, which augurs well for the prestigeand prospects of the new bank.”

Maple Avenue, Jeffersonville c. 1913


September 8, 1913

January 5, 1914

1967

1982

1984

1984

1985

1985

1993

1996

1996

1997

1999

2000

2008

2009

2010

2010

2012

2012

An Historical Timeline of Important Jeff Bank Events


The First National Bank of Jeffersonville Organized

Jeffersonville Office Opened for Business

Eldred Branch Opened

Jeffersonville Bancorp Formed

Burroughs Computer Purchased

Construction of OperationsBuilding in Jeffersonville

Liberty Branch Opened

Loch Sheldrake Branch Opened

Monticello Branch Opened

Livingston Manor Branch Opened

Narrowsburg Branch Opened

Callicoon Branch Opened

Wal-Mart Branch Opened

Wurtsboro Branch Opened

New Logo with Jeff Bank Name

Jeff Bank becomes Registered Trademark

Bloomingburg Branch Opened

White Lake Branch Opened

Voluntarily Delisted Common Stock from Nasdaq

Conversion from National to New York State Charter

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

“The initial nine board members selectedadditional gentlemen to include a directorfrom each township in Sullivan County,”Zanetti said. “They realized their market wasnot just Jeffersonville or Callicoon but theentire county. The roots for growing thebank go back to 1914.

“It was the community which has allowedus to be the bank of choice,” Zanetti said.“We also have many loyal customers and adedicated staff which has allowed us toreach this milestone. It’s not just one per-son.”

And that focus – serving the entirecounty – has manifested itself in many ways.The bank now has 12 branches which areconveniently located throughout the countyand its 135 employees hail from all cornersof Sullivan County’s 1,100 square miles.

“We were able to adjust to the changes,”Zanetti said. “Once there were 11 commu-nity banks in Sullivan County and we are theonly one left. We had a conservative ap-proach to banking and were able to perse-vere when others could not.”

Technology, and all of the advances whichit brings, is another area where Zanetti saidJeff Bank has done a good job.

“We are not on the bleeding edge of tech-nology, but certainly on the cutting edge,”he said. “We would be farther along if Sulli-van County had full broadband service butwe have kept pace with the developments intechnology within the county.”

And with all the advances in technologythat comes with modern banking, Jeff Bankis still proud to be involved in and support-ive of the local community.

From substantial contributions to SullivanCounty Community College and the SullivanCounty Community College Foundation tohelping out many organizations throughoutthe area, Jeff Bank has been at the forefrontof helping the community.

“And rightly so,” Zanetti said. “People un-derestimate the value of the college. Theyare a major part of our economic engine.”Keeping It Local

Jeff Bank has also worked hard at keepingtheir focus on the local economic landscape.Part of that focus has come from the boardof directors, which have always been an in-tegral part of the Sullivan County businesscommunity.

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

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

From there it went to William A. and thenDoug, who was a fixture in Cochecton Cen-ter for three-quarters of a century and alwayshad time to visit and help his neighbor.

Just like Jeff Bank has been doing for thelast 100 years.

By Fred Stabbert III

JEFF BANK Keeps focus onServing the Community

J

Wayne V. Zanetti, Jeff Bank President and CEO

Sometimes looking back is the best way to look ahead.

Operations Building



JEFF BANK Times 12

White Lake branch Eldred branch u

Loch Sheldrake branch Wal-Mart Monticello branch u

t Callicoon branch Bloomingburg branch

t Livingston Manor branch Liberty branch


“I love Jeff Bank. Ihave been a cus-

tomer since I was13 and had a joint

account with mymother. I’ve hadan account ever

since and I’venever had another

bank and I don’tplan to. They arealso very good tomy dog Pawlie in

Loch Sheldrake,and he likes his

treats.”

Vanessa Lescano & Pawlie

Loch Sheldrake

“Jeff Bank and Villa Roma Resort have enjoyed a longstand-ing relationship for over 40 yearsbased on mutual respect. Both companies haveprospered and grown together inSullivan County over those years.As a result, the relationship between the two is as solid todayas it was in the past. Jeff Bankhas always provided the personaland friendly treatment youwould expect from a smallcounty bank, but without JeffBank's commercial bankingservices and capabilities, theVilla Roma would not be as suc-cessful as it is today.”

Paul Carlucci, Vice PresidentVilla Roma Resort & ConferenceCenter

QuotQuotables

JEFF BANK Times 12

Monticello branch Wurtsboro branch u

t Narrowsburg branch Jeffersonville Main Office

Continuedfrom page 8


Jeff Bank’sfirst ad...

...and whatwould have

been a healthy deposit

in someone’s new account.


espected Jeffersonville businessmanand politician Valentine Scheidell wasthe man chosen as the first president

of the First National Bank of Jeffersonville.Scheidell was born in Jeffersonville on Sep-tember 26, 1869, and grew up in the com-munity where his grandfather, Frederick,had been one of the earliest settlers, oper-ating a grist mill beginning in the 1840s.His father, also named Frederick, was long-time town of Callicoon Supervisor. Valen-tine Scheidell was involved in a number ofbusiness ventures over the years, includingserving as the vice president of the unsuc-cessful Warrior Gold Mining Company ofLiberty. In 1904, the company purchased311 acres of land on the western slope ofthe Shawangunk Mountains near Ellenvillewhich they believed contained a largeamount of ore made up ofconsiderable percentagesof gold, copper, zinc, andlead. Not enough ore wasever found to make themine commercially viable.

Scheidell, a Democrat,succeeded his father asSupervisor of the town ofCallicoon beginning in1898, becoming the Sulli-van County Board of Su-pervisors youngestmember, and later servedas the Chairman of theBoard. After many yearsin office, he declined hisparty’s nomination to runagain in 1913, citing as hisprincipal reason the factthat “the duties imposedupon him as supervisorhad so multiplied that hefound no time to devoteto his private interests.”

In addition to his role inestablishing the commu-

nity’s new bank, he was in the creamerybusiness with his uncle Charles Scheidell,and had purchased a number of failedcreamery operations in the region in 1912,opening an office in Jeffersonville to runthem. The Livingston Manor Times re-ported in its April 4, 1912 edition that "atthe sale of the creameries of the DairyProducts Company which took place inMonticello Tuesday, Valentine Scheidell ofJeffersonville purchased the bulk of thecreameries offered. Those properties in-cluded the Jeffersonville, Youngsville,Kenoza Lake, Callicoon and North Branchcreameries. Last week in New York, Mr.Scheidell purchased the Galilee and Look-out, Pa., creameries.”

Valentine Scheidell died in 1935; he was66.

R

Contributed by

John Conway and

Debra Conway/History

Prose/Barryville, NY.

Valentine Scheidell in 1898

Jeff Bank’s First President


Organized – September 8th, 1913Charter No. – 10456Capital Stock - $25,000.00No. of Shares – 250 shares

Directors Term Directors Term

A List of Directors Since Jeff Bank Began

George Delap 1913-1925

Willam F. Heinle 1913-1932

Grover M. Hermann 1913-1932

Henry V. Krenrich 1913-1919

Robert B. McGinn 1913-1919

Otto W. Meyer 1913-1970 Secretary

Valentine Scheidell 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

August Lott 1948-1980

Edson J. Tegeler 1948-1979

Albert J. Menges 1959-1973

Gilbert E. Weiss 1964-2003

W. Granville Prince 1969-1982

Andrew Parker 1970-1981

Solomon Katzoff 1973-2004

Douglas A. Heinle 1974-2011

John W. Galligan 1976-present

James F. Roche 1979-present

Earle Wilde 1980-2009

John K. Gempler 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


DPOT-126653


When the First National Bank of Jeffer-sonville was officially chartered in Oc-tober of 1913, there were already a

number of banks operating in Sullivan County.A few, such as the National Union Bank inMonticello, founded in 1850, and the SullivanCounty National Bank in Liberty, established in1893, dated back to the 19th Century, but mosthad been established less than a decade before.

Sullivan County had been enjoying a periodof unparalleled prosperity since around 1890,as the railroads had helped establish the regionas a tourist destination. During this time, hun-dreds of small hotels and thousands of farm-houses had begun entertaining summer visitorsfrom the New York metropolitan area. Manyhotels and farmhouses, often with a financialincentive from the railroad, built additionalrooms to accommodate even moreguests. With all the ensuing eco-nomic activity, the need for home-town banks increased.

By the end of the 1920s, many ofthe small communities in thecounty, such as Livingston Manor,Roscoe, Callicoon, South Fallsburgand Woodridge, had establishedtheir own banks, while Monticelloand Liberty were each home tomore than one. The local bankingworld was a fairly stable one, eventhrough the decline of the resort in-dustry in the 1920s, the Great De-pression of the 1930s and the WorldWar of the 1940s.

Nationwide prosperity followingthe end of World War II broughtnew growth to the region, whichsaw an even more booming resortindustry take shape. This alsoboosted the profitability of the localbanks. By 1953, the county washome to 538 hotels, 1,000 rooming

houses, and 50,000 bungalows, and with an es-timated two to three million vacationers eachsummer, the resort industry was reportedly re-sponsible for adding more than $150 million ayear to the local economy. It was reported thatone of the county’s largest hotels handled somuch money each week that it had to spreadits banking business among four different localbanks.

In 1962, the region’s economy was still a vi-brant one with no end to the prosperity insight, and there were at least eleven small com-munity banks operating in Sullivan County.Throughout the early 1960s, however, thingsbegan to change, as some of the smaller com-munity banks were absorbed by larger counter-parts.

The Livingston Manor Bank was one of the

Sullivan County Banking History

W

A P R I L 2013

first to go, being acquired by Sullivan CountyNational Bank of Liberty in 1962. They alsoacquired the First National Bank and Trust Co.of Roscoe. First National Bank of Callicoonacquired First National Bank of Narrowsburgand changed their name to United NationalBank in 1964. Liberty National Bank acquiredSouth Fallsburg National Bank. Other localbanks merged with much larger operationsfrom out of the region. Sullivan County TrustCompany in Monticello, for example, tookover a Port Jervis bank in 1964 and becameknown as Intercounty Trust, and then mergedwith the much larger and rapidly growingCounty Trust of White Plains in 1966. CountyTrust was already one of the 55 largest banksin the country, and had 52 branches in

Contributed by

John Conway and Debra

Conway/History Prose/Barryville, NY.

First National Bank of Jeffersonville - 1913Today: Jeff Bank

The Livingston Manor Bank - 1911Sullivan County National Bank of LibertyNorstar BankFleet BankToday: No longer

First National Bank and Trust Co. of RoscoeSullivan County National Bank of LibertyNorstar BankFleet BankToday: Bank of America

First National Bank of Callicoon - 1932United National BankNorstar BankFleet BankToday: Bank of America

First National Bank of NarrowsburgUnited National BankNorstar BankFleet BankToday: Bank of America

South Fallsburg National Bank - 1920Liberty National BankMarine MidlandHSBCToday: First Niagara

The Sullivan County Trust Co. (Monticello) - 1923Bank of New YorkToday: Chase

Liberty National BankMarine MidlandHSBCToday: First Niagara Bank

Sullivan County National Bank of Liberty - 1893Norstar BankFleet BankToday: Bank of America

National Union Bank of Monticello - 1851Today: Key Bank

First National Bank of Woodridge - 1917Today: Provident

Continued on page 16

Westchester, Putnam, and Rockland Countiesby the time it moved into Sullivan County.The merger meant that the Monticello bankwould thereafter operate under the largerbank’s name and charter.

This was a fairly typical scenario, and sincethese types of mergers usually meant that alocal bank’s senior management would beheadquartered in some distant city, approvalof the mergers often included the provisionthat a “local advisory board” be establishedin the community to keep the bank’s out-of-town management apprised of local condi-tions and to “preserve the community bankatmosphere.” Despite such advisory boards,however, the newly configured banks werecommunity banks only in the sense that theyoperated a facility within the community.

Rarely in such cases did loan or mortgageapproval rest solely in local hands, for exam-ple. Connections between bankers and cus-tomers, many established over decades, werebroken and, in some instances, the days of acustomer doing business with a banker whowas also a neighbor were ended.

Sullivan County was changing, too. Hun-dreds of hotels and thousands of bungalowsvanished in little more than adecade, and the resorts that con-tinued to operate were strug-gling to survive. The 1970s and‘80s were difficult for the countyeconomically.

By the end of the 1980s, eventhe oldest of Sullivan County’slocal banking institutions, Na-tional Union Bank in Monticelloand Sullivan County NationalBank in Liberty, were gone,having been taken over by KeyBank and Norstar Bank, respec-tively. As the 21st Century ar-rived, all but one of the eleven

community banks that had been in operationin 1962 had vanished. Only the First Na-tional Bank of Jeffersonville remained.

JEFF BANK – The SurvivorThe First National Bank of Jeffersonville

had continued to concentrate on maintainingits independence while growing beyond thevillage of Jeffersonville. The bank openedits first branch in Eldred in 1967, and eventu-ally expanded throughout the county, estab-lishing a total of twelve branches fromCallicoon to Bloomingburg. In doing so, JeffBank brought community banking back tomany of the communities, such as Callicoon,Narrowsburg, Livingston Manor, and Liberty,which had lost their own local banks in theyears before.

In keeping up with the times, the bank in-stalled a Burroughs computer in the newOperations Center in 1984. From that seedhas grown Internet banking, online bill pay-ing, telephone banking as well as a networkof ATMs. Customers take advantage of theability to access accounts, transfer funds andpay bills at their own convenience, twenty-four hours a day.

By the end of 2012, the decision to convertthe bank from a national to aNew York State charter wascompleted. The trademarkname of Jeff Bank, which hadbeen in use since 2008, nowbecame the bank’s legal name.

By offering residents conven-ient and secure banking, bymaking customer satisfactionthe ultimate goal, and by forg-ing special relationships with itscustomers—its neighbors—JeffBank has become a trusted Sul-livan County tradition, a tradi-tion that is now one hundredyears old.

Sullivan County Banking History Continuedfrom page 15

As the 21st

Century arrived,

all but one of

the eleven

community banks

that had been in

operation in 1962

had vanished.



SCCL-126661


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“Congratulations Jeff Bank” For 100 years of dedicated service

to the people and businesses of Sullivan County.

Callicoon (845) 887-4210 Jeffersonville (845) 482-5510

Roscoe (607) 498-4301

PREI-126582

Happy 100th Birthday & Many More!

Accounting & Auditing • Corporate, Partnership, & LLC

Taxation • Individual Planning & Taxation

Estates & Trusts • Financial Statements •Business Valuations

Governments, Schools & Not-For-Profits

Management Advisory Services • Computer Consulting

QuickBooks Pro Advisors

740 Route 17B • Mongaup Valley, NY • 845-796-1800168 Main St • Goshen, NY • 845-294-5503

133 Route 304 • Bardonia, NY • 845-623-0300

Cooper, Niemann & Co.Certified Public Accountants

Reaching new heights with an eye on tomorrow

CNIE-126623


RGRO-126386

sbui-126360

LP TANK FILL

20lb. tank $13.9030lb. tank $19.4640lb. TANKS AND100lb. TANKS AT$2.78 PER GAL.

WAS $3.78 PER GAL

After 50 years we are proud to congratulate Jeff Bank on their 100 years of service to

businesses and the people of Sullivan County

Large selection of Aluminum and

Fiberglass pick-up capsin stock or on order forall make & size trucks

Full stock of RV parts,supplies and service

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 PBOA-126370


Health & MedicalHealth & MedicalANVVAAD

., LIB21 MILL STT.Health & Medical

ANCEDY, NYY,T., LIBER

WILLIAM H.CHELLIS, ESQ.

ATTORNEY AND COUNSELOR AT LAW

PO Box 624 27 Maple Ave., Jeffersonville, New York 12748

(845) 482-3405

[email protected]

CLOw-126326

TheFamilyDrugStore


GREY’S WOODWORKS

S T O R A G E S H E D S A N D G A R A G E S

Storage Sheds and Custom Garages

Hours: Monday through Friday, 8 a.m. to 4:30 p.m. Saturday, 9 a.m. to 3 p.m.

7862 Route 55 | P.O. Box 420 | Grahamsville, New York 12740

845.985.7006 | greyswoodworks.com

7862 Routute 55 | .O. Box 420 | Grahhamsvville, NGGrGrPPP.P

8455.985.77006 | grgreyswoodwdworks.c

New York 1274740YYoY

com

F-GR-126206

Congratulates Jeff Bank

Thank You for All that You Do

for Our Community!

Advancing Patient Care for Our Community

www.crmcny.org

F-CR-126205

VILLAGE OF JEFFERSONVILLE17 Center Street - PO Box 555Jeffersonville, New York 12748

Tel: 845-482-4275 Fax: 845-482-5298

Congratulations & Thanks ToJeff Bank

For 100 years of distinguished service

to our community

JVIL-126611

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

We appreciate all of your contributions to our community!

Thank YouFrom management

and staff at

Congratulations!

VRCO-126503


Congratulations Jeff Bankfor 100 Years of Service.

25 Years of Caring, Comfort and CompassionHOSP-126208

Tel. 845-292-3430 • Fax 845-292-3437Pharmacist Samir K. Shah R. Ph187 Mill Street (LIBERTY PLAZA)

Liberty, NY 12754K&KP-126226

SCCE-126251

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

NAMI (NATIONAL ALLIANCE ON MENTAL ILLNESS)

OF SULLIVAN COUNTY CAN HELP!

Family Support, Education, Advocacy,Empowerment, Referral to Clinical Services(845) 794-1029 [email protected]

Happy Birthday Jeff Bank!

FF

OR

-126673


Joseph N. GarlickJoseph N. GarlickFuneral Home Inc.Funeral Home Inc.

Exclusively Serving the Jewish Community

Jewish Owned & Independently Operated

794-7474 647-7747388 Broadway 186 Canal St.

Monticello Ellenvillewww.josephngarlickfuneralhome.com

“Happy 100th Birthday”GARL-126658


Congratulations to Jeff Bankfor 100 years of financial services

Investment Advisors Creating and Preserving Wealth

Philip Coombe III, CFP ® Catherine Bender, CFP ®

P.O. Box 333, 6872 Route 209

Wawarsing, NY 12489

Phone (845) 647-4800

Email: [email protected] Website: coombebender.com

COOM-126316

Jeff Bank 100th Anniversary Issue

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Transcript of Jeff Bank 100th Anniversary Issue