About Us

USNY Bank was formed in 2007 on the premise that people still prefer a locally owned community bank — one where decisions are made within the communities in which customers reside, by bankers they know and trust. This has been the cornerstone of the bank.

Serving The Needs Of Local Communities

We're an independent bank, owned by people just like you. We focus exclusively on serving the needs of local New York communities through both our Finger Lakes and Cooperstown locations. Since opening our doors in 2007, we've quickly established a strong foundation and rooted ourselves in the communities we serve. We are well capitalized and have the resources available to effectively help you achieve your financial goals.

Specifically, we specialize in providing comprehensive banking services to small and medium sized businesses, agribusiness enterprises, and farming operations. We are also active in financing professional practices and commercial real estate owners/developers.

Banking Centered On You

Our bankers are your neighbors and friends. They excel at providing customized banking services for local area individuals and businesses. When banking with us, you're more than just an account number — and nothing reflects that truth more than our personalized, detailed focus on you.

Whether you're seeking financing, or just some sound financial advice, you can count on a conversation with an experienced banker who understands the unique challenges you face. All of our decisions are made locally — offering one local point of contact and a streamlined process.

A Major Thank You

To both our valued investors and customers, we'd like to thank you for being such an integral part in solidifying our commitment to bring a more grassroots, personalized approach to banking. Together, we're working hard for a shared goal: seeing dreams become a reality.

Stop in to experience the difference a truly local bank can make.

Senior Management Team

USNY Bank Senior Management Team

Jeffrey E. Franklin

President - Bank of the Finger Lakes


R. Michael Briggs

President & CEO


James E. Willson

Chief Credit Officer


Scott D. White

President - Bank of Cooperstown



Christine M. Amos

Vice President


Pamela J. Donnells

Assistant Vice President

Branch Manager - Penn Yan


Michael A. Fratto

Vice President


Karen A. Luttrell

Vice President, Compliance


Amy L. McNicholas

Vice President, Credit Administration


Nancy C. Murray

Board Secretary

Vice President, Bank Administration


Peter J. Principato

Vice President, Manager of Retail Lending


Michael G. Scaglione

Vice President


Rob W. Sollenne

Chief Financial Officer


John R. Wadsworth

Vice President


Heidi J. Westfall

Vice President, Operations