Meet the Team

You’ve worked hard to achieve what you have.

Our team of trust and investment professionals will work hard to help you achieve even more. Learn more about our team below...you may see a familiar face.

Mark P. Bernier, CFA®
Senior Vice President
Wealth Management Officer
 717-339-5178


Mark has supervisory oversight of the Wealth Management division, including Trust & Investment Services. He is a senior contributor to the investment management function and has over 15 years of investment experience. In addition to his role at the Bank, Mark serves as a board member of the WellSpan Gettysburg Hospital Foundation. In his spare time, he enjoys spending time with his wife and children, fly fishing and mountain biking.

Karen B. Arthur  
First Vice President
Trust Services Manager
 717-339-5062


Karen has worked in Trust & Investment Services for over 15 years in both administrative and managerial capacities. She is a lifelong resident of Adams County and in the local community, Karen serves as Trustee for The Adams County Library. In her spare time, Karen enjoys traveling, reading, volunteering and spending time with family and friends.

Christine R. Settle
Vice President
Trust Officer
 717-339-5058


Christy has worked for the Bank for over 23 years, most of which have been  in Trust & Investment Services. In her spare time, she enjoys reading, drawing, painting and spending time with family and friends. Christy is also an animal welfare supporter and has previously devoted her time to the Adams County SPCA.

Daniel K. Baer, CTFA
Vice President
Trust Officer
 717-339-5157


Dan has over 13 years of trust and investment experience and is a lifelong resident of Franklin and Cumberland counties. In the local community, Dan serves as a director of the Shippensburg Area Chamber of Commerce. In his free time, Dan enjoys fly fishing, golf and spending time with family and friends.

Thomas A. Holmes
Vice President
Trust Investment Officer
 717-339-5245


Tom has more than 18 years of experience in portfolio management, with the last 15 years focused on trust and fiduciary investment management. In the local community, Tom serves as a director of the Jacksonville Lions Club, is active with his church and volunteers with the United Way of Carlisle. Tom enjoys fly fishing, golf and spending time with his family. 

 J. Richard Price, CFP®
Vice President
Account Officer

 717-339-5275


Rick has worked in the financial services industry for over 20 years.  His areas of focus include financial planning, investments, insurance, college savings plans, employer-sponsored retirement plans, trust administration, and estate settlement. Enjoys spending time with his family especially his three grandchildren.

Tim Owings
Vice President
Account Officer
 410-840-3388


Tim has over 11 years of Investment experience with NWSB Bank and is a lifelong resident of Carroll County Maryland. Tim has been involved with the Taneytown Chamber of Commerce and Westminster Kiwanis Club. He enjoys spending time with his wife and 2 sons, coaching , golfing, fishing and riding his motorcycles.

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Disclosures:

Securities and Insurance Products are:  NOT FDIC INSURED • MAY LOSE VALUE • NOT BANK GUARANTEED • NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL GOVERNMENT ENTITY