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Conduct transactions with peace of mind on both sides of the table. A letter of credit lets third-parties know you can deliver on what you promise.

Key Features

  • Local Decision-Making
  • Experienced Lenders
  • Ideal to guarantee payments on large purchases
  • Can also be used to guarantee a service
  • Typically issued for a 1-year term or less
  • Fee is based on face value amount
  • Interest accrues only when beneficiary requests an advance
  • Especially helpful when dealing in international commerce
  • Can replace need for an insurance company performance bond

MAIN OFFICE – ONE STEUBEN SQUARE, HORNELL NY 14843

James M. Knapp
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 544201
Phone: (607) 324-9670 

Mark J. Young
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 423072
Phone: (607) 324-9524 

CLARENCE OFFICE – 8503 MAIN STREET, WILLIAMSVILLE, NY 14221

Anthony M. Lanza
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS #471110
Phone: 716-906-3319

ELMA REPRESENTATIVE OFFICE – 2701 Transit Rd. Suite 141, Elma, NY 14059

Ralph A. Agone
Vice President
Commercial Lender
Phone (585) 808-8122

Michael J. Cleary
Vice President
Commercial Lender
Phone (716) 870-3687

GENESEO OFFICE – 11 MEGAN DRIVE, GENESEO, NY 14454

Craig W. Nobbs
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 685575
Phone: (585) 243-0380 

Jakob M. Rease
Commercial Lender
Consumer Lender
Phone: (585) 243-0380

HENRIETTA OFFICE – 20 WILDBRIAR ROAD, HENRIETTA, NY 14623

Gregory J. Wood
Commercial Lender
Consumer Lender
NMLS # 1153823
Phone: (585) 359-0247 

WARSAW OFFICE – 2490 NORTH MAIN STREET, P.O. BOX 232, WARSAW, NY 14569

Hans R. Kunze
Commercial Lender
Consumer Lender
Phone: (585) 786-0261

Wellsville Office – 475 North Highland Drive, P.O. Box 664, Wellsville, NY 14895

 James M. Knapp
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 544201
Phone: (585) 596-2009

Melissa Mullen
Commercial Lender
Consumer Lender
Phone: (585) 596-2011