Business Advisory Council

William H. Braun
Custom Rubber Corporation
Cleveland, Ohio

Margo E. Broehl
Attorney at Law
Wooster, Ohio

Robert M. Cleveland
Vice President
Woodford Feed
  Company, Inc.
Versailles, Kentucky

Daniel B. Cunningham
  Manufacturing Co., Inc.
Hamilton, Ohio

Norman S. Graves
President & CEO
National Metal
 Processing, Inc.
Richmond, Kentucky

James D. Kiggen
Chairman & CEO
Xtek, Incorporated
Cincinnati, Ohio

Elizabeth N. Kraftician
President & CEO
Touchstone Research
  Laboratory, Ltd.
Triadelphia, West Virginia

Cheryl L. Krueger
President & CEO
Cheryl & Company
Westerville, Ohio

James W. Liken
President & CEO
Liken Home Medical, Inc.
Pittsburgh, Pennsylvania

F. James McCarl
President & CEO
McCarl’s, Inc.
Beaver Falls, Pennsylvania

Gerald M. Miller
Chairman &
  Managing Partner
Miller–Valentine Group
Miamisburg, Ohio

Jeanette C. Prear
President & CEO
Day-Med Health
  Maintenance Plan, Inc.
Dayton, Ohio

Steven C. Thomas
President & CEO
Mulach Steel Corporation
Leetsdale, Pennsylvania



Community Bank Advisory Council

Charles Beach, Jr.
Peoples Exchange Bank
Beattyville, Kentucky

Michael N. Clemens
President & CEO
Commerce Exchange Bank
Beachwood, Ohio

James R. Drenning
President & CEO
The Merchants National
  Bank of Kittanning
Kittanning, Pennsylvania

John O. Finnan
Chairman, President & CEO
Peoples Bank of
  Northern Kentucky
Crestview Hills, Kentucky

Jeffrey A. Maffett
President & CEO
Eaton National Bank
  and Trust Company
Eaton, Ohio

Benjamin T. Pugh
Premier Financial
  Bancorp, Inc.
Vanceburg, Kentucky

Ronald L. Solomon
President, Director & CEO
First West Virginia
  Bancorp, Inc.
Wheeling, West Virginia

William C. Sonntag
President & CEO
The First National Bank
  of Slippery Rock
Slippery Rock, Pennsylvania

Philip S. Swope
Chairman, President & CEO
Chippewa Valley Bank
Rittman, Ohio

Carlos E. Watkins
Vice Chairman
First-Knox National Bank
Mt. Vernon, Ohio

Paul G. Wreede
President & CEO
The Commercial Bank
Delphos, Ohio



This annual report was prepared by the Corporate Communications & Community Affairs Department of the Federal Reserve Bank of Cleveland.

For additional copies of this annual report, contact the Corporate Communications & Community Affairs Department, Federal Reserve Bank of Cleveland. P.O. Box 6387, Cleveland, OH 44101, or call 1-800-543-3489 or (216) 579-2001.