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 Board of Directors


Mr. Saltsgiver is President and founder of Muncy Homes, Inc., a modular home manufacturer located in Muncy, PA. Muncy Homes, Inc, which was founded in 1973, has 3 manufacturing plants, and markets products under the names Muncy Homes, Superior Builders, and Premier Builders. Muncy Homes distributes its products throughout the northeastern United States with more than 20,000 homes through its three manufacturing divisions.


Mr. Ritter is the Vice Chairman of the Board of First CornerStone Bank. He currently serves as President and Chief Executive Officer of Flagship Credit Acquisition. Michael C. Ritter is an experienced financial services executive, with a 29-year history of forming, acquiring, operating, and selling specialty finance companies. Prior to re-launching Flagship in 2006, Mr. Ritter was Executive Vice President, Chief Financial Officer, Chairman of the Investment Committee and Member of the Executive Committee of Itochu International Inc., the U.S. subsidiary of Tokyo based Itochu Corporation. From 1997 to 2001, Mr. Ritter was the President and Chief Executive Officer of the Original Flagship, a billion dollar auto finance company and wholly-owned subsidiary of Copelco Financial Services Group (“Copelco”). Mr. Ritter is a C.P.A., a former manager with Coopers & Lybrand, now PriceWaterhouseCoopers, specializing in the banking and leasing industry as a member of the firm’s national banking group.


Robert M. Jara has served as the President and CEO of First CornerStone Bank since May 2006. Prior, he served as the Chief Financial and Chief Operating Officer since the Bank's inception in March 2000. Mr. Jara, a C.P.A., has been in Banking for nearly 40 years. Mr. Jara received a BS in Accounting from Saint Francis University. As well, Mr. Jara is an MBA graduate of Widener University and a graduate of the Stonier Graduate School of Banking. He serves on several boards and committees including Cabrini College, the Historic Lansdowne Theatre Corp, Saint Philomena Finance Committee.


Ms. Fifer has served as an Officer of Phoenix Mobile Homes, Inc. for over 30 years. Phoenix Mobile Homes, Inc., a business founded in 1948 by James K Overstreet, specializes in the acquisition and management of mobile home parks and other real estate related ventures in the eastern and southern United States.


Mr. Thomson is the President and Founder of Pacer Financial, Inc., an independent financial wholesaling firm that was founded in 2004. Mr. Thomson has over 35 years of experience in the insurance and investment world. Prior to establishing Pacer Financial, Mr. Thomson was President and Co-Founder of PLANCO, one of the largest independent financial wholesaling companies in North America with over $200 billion in sales. In addition, Mr. Thomson is holds the numerous designations and licenses, including CFP, CLU, ChFC, CMFC and the FINRA General Principal's license, as well as a Pennsylvania Resident Insurance Producer License and a Non-resident Insurance Producer license in 45 states and commonwealths throughout the U.S. and the District of Columbia. Mr. Thomson also hold a Bachelor's Degree in Economics and Business Administration.


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