Michael G. Ostermayer, CFA
Vice President | Trust Services Manager | Chief Investment Officer

Mr. Ostermayer is responsible for managing the bank’s Trust Department. In addition, he manages the investment process, including the coordination of the investment philosophy and resources with the needs and objectives of a wide range of institutional investors and individual customers.

Prior to joining Penn Security Bank in 2001, Mr. Ostermayer served with several large regional banks and a specialty trust company. He brings with him 30 years of investment management experience.

Michael is a graduate of Susquehanna University with a Bachelor of Science in Business Administration. He has been a Chartered Financial Analyst since 1981. He is active in his field of expertise, holding memberships in the CFA Institute and the Financial Analysts of Philadelphia.

Carl J. Pettinato
Assistant Vice President | Trust Investment Officer

Mr. Pettinato is responsible for the management of personal or institutional investment portfolios. In addition to performing research on various equity and fixed income investments, he is responsible for the selection of items to be purchased and sold and the actual timing of those transactions. He also handles the communication of investment decisions and recommendations to his client base. Carl joined the bank in 2007 and brings with him over 16 years of experience in the financial services industry.

He holds a Bachelor of Science in Business Administration and a Masters of Business Administration in Finance from Marywood University. 

Robert W. McDonald, CPA, MA, MT
Assistant Vice President | Tax & Corporate Trust Officer

Mr. McDonald currently serves as the Trust Tax and Corporate Officer. Bob has over 25 years of tax and accounting experience.

Bob received his undergraduate degree majoring in Accounting and Management and his MBA in Finance from the University of Scranton. Bob has a Masters in Taxation from King’s College.

Carol C. McMullen
Vice President | Trust Administration Officer

Ms. McMullen is responsible for the administration of Personal Trust and Estate Services and foundation/endowment account relationships. She has over 20 years of trust banking experience in the Northeastern Pennsylvania market.

Carol is a graduate of Marywood University, holds a Masters of Business Administration in Finance and Marketing from the University of Scranton, and is a graduate of the Pennsylvania Bankers Association Trust School and the American Bankers Association National Trust School at Northwestern University.

Kristen R. Noll
Assistant Vice President | Trust Administration Officer

Ms. Noll is responsible for the administration of Personal Trust and Estate Services. She joined Penn Security Bank & Trust Company in 1998 and has been with the Trust Department since 2001.

Kristen holds a Bachelor of Science Degree in Accounting/Taxation from Keystone College and a Masters of Business Administration in Finance & Investments from Marywood University. She is a graduate of the Pennsylvania Bankers Association Central Atlantic School of Trust and Investment Management.