There are many reasons why people use trusts to assist in managing their financial affairs … perhaps to set aside assets for the benefit of a minor child, or to care for an elderly relative, and trusts can “stand-by” to assist should you need help in taking care of your own affairs. Trusts also often play an important part in minimizing Federal Estate Tax. Allow us to assist you in determining which type of trust might best serve your specific needs.

  • Revocable (Living) Trusts
  • Irrevocable Trusts
  • Testamentary Trusts
  • Trusts for Minors 
  • Stand-By Trusts


If you prefer to make your own investment decisions, but need assistance with asset custody and administrative support, consider a custodial account with our Trust Department. We will provide information, answer questions, execute your instructions, and handle the record keeping.

You can be as involved as you choose to be or leave the details to us.


Investing in today’s volatile financial markets can be difficult and confusing.  As trustee or investment manager, the Bank will manage your assets and make investment decisions on your behalf. Since 1945, our Trust Department has been managing investments for clients.  Our officers can help you analyze the risks involved and to position your investments to achieve your personal objectives and build long-term wealth.

We would welcome the opportunity to work with you in planning and building an investment portfolio that meets your long-term objectives.


One of the most important matters a person faces is deciding the disposition of  his or her estate.  After spending a lifetime building the wealth of your family, careful planning is called for to ensure that your assets are transferred in a manner that fulfills your objectives and minimizes costs. 

We can help you gain better knowledge of the complexities of the estate probate process and become familiar with the possible impact of Federal Estate Taxes.

With the Bank as Independent Executor of your estate, you can be confident that your plans and wishes will receive the professional and careful attention that they deserve.


If you own or are planning to purchase a life insurance policy of a significant amount, ask us about the estate tax implications of owning life insurance.  Life insurance trusts can be used to provide for your family’s financial security, while minimizing the cost of Federal Estate Tax.

As trustee of your irrevocable life insurance trust, the Bank ensures that the important and necessary steps are followed each year to safeguard your financial plan.


As custodian of your self-directed IRA, we will execute your investment instructions. Or, if you prefer, we will make the investment decisions on your behalf. In either case, we provide custodial support and record keeping and file the required government reports.


The Bank offers services as trustee of qualified retirement plans for corporations, individuals who are self-employed, or professional organizations.

As trustee, the Bank will provide investment management of the assets in your retirement plan.  If you prefer, you may retain the investment responsibility or use participant-directed investments.  

Prototype plan documents are available and can be tailored to meet your specific needs.  We will arrange for administrative support services and compliance reporting required by the various rules and regulations covering qualified retirement plans.