Muncy Columbia Financial Corp (CCFN)

CCFNB Bancorp Inc was organized in 1983. It is a registered financial holding company, bank holding company for First Columbia Bank & Trust Co. The Bank is a state-chartered bank whose deposits are insured by the Deposit Insurance Fund of the FDIC. On July 18, 2008, the Corporation completed its acquisition of Columbia Financial Corporation. The Bank is a full-service commercial bank providing services and products, including time and demand deposit accounts, consumer, commercial and mortgage loans to individuals and small to medium-sized businesses in its Northcentral Pennsylvania market area. The Bank also operates a full-service trust department. The bank holds a 50 percent interest in a local insurance agency until its sale on November 14, 2011. The name of this agency was Neighborhood Group, Inc. and traded under the fictitious name of Neighborhood Advisors (insurance agency). Through this joint venture, the Company sold insurance products and services. It acts as an independent community financial services provider, and offers traditional banking and related financial services to individual, business and government customers. The Bank also performs personal, corporate, pension and fiduciary services through its B.B.C.T., Co. as well as offers diverse investment products through its investment center. The operations of the Bank are subject to federal and state statutes applicable to banks chartered under the banking laws of the United States, and to banks whose deposits are insured by the Federal Deposit Insurance Corporation. The Banks operation also is subject to regulations of the Pennsylvania Department of Banking, the Federal Reserve Board and the Federal Deposit Insurance Corporation (FDIC).