Deposits Lending E-Services Resources Contact Home » Contact Directors & Officers Board of Directors James L. Bennett, Chairman of the Board David A. Cain Larry B. Chapman Roy A. Henderson Leslie L. Maze Richard J. Morris Officers Martha J. Haymaker, President & CEO Chris P. Arden, Senior Vice President & Chief Financial Officer Bruce L. Fitzwater, Vice President & Chief Retail Officer Richard D. Fitzwater, Vice President & Senior Loan Officer Samantha L. Hickman, Vice President & Chief Operations Officer Brenda L. Wolfe, Vice President, BSA Officer, Chief Risk Officer, & Board Secretary Pam J. Godfrey, Assistant Vice President & Human Resource Administrator Richard Welch, Assistant Vice President & Technology Officer Brad M. Stevens, Retail Manager - Grantsville Office Cheryl A. Carpenter, Retail Manager - Arnoldsburg Office Regina D. Jones, Retail Manager - Elizabeth Office Royce J. Steele, Retail Manager - Glenville Office Save your dollars with Confidence For a rainy day, or some real nice sunny ones. Be prepared! LEARN MORE Always Stay Connected Enjoy convenient access to your account anytime, anywhere, 24/7. LEARN MORE Website Privacy Privacy Policy Member FDIC Equal Housing Lender

Deposits Lending E-Services Resources Contact Home » Lending Construction Are you ready to build your dream home? We have an extensive amount of experience helping people build their new home. Whether you are building your primary home or a second home, we can answer your questions and help guide you through the process of achieving your new dream home. If you are ready to get started, please contact us. Subject to credit approval. How a construction loan works: A construction loan is similar to a line of credit. Like a credit card, you are approved to spend up to a certain amount of money to build your new home. Construction loans typically require interest-only payments during construction and become due upon completion (meaning that the house has received its certificate of occupancy). The balance due is then rolled over or ‘converted’ into a typical home mortgage. You, the contractor and the lender establish a draw schedule based on stages of construction. Funds are advanced to cover construction costs such as excavation, utilities, materials, labor and other expenses as work progresses. Try out our financial calculators to find out how much of a home you can afford. Try our Financial Calculators We'll help you crunch the numbers. Find out what you can afford! GET STARTED Always Stay Connected Enjoy convenient access to your account anytime, anywhere, 24/7. LEARN MORE Website Privacy Privacy Policy Member FDIC Equal Housing Lender