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Ray L. Wolfe
Mr. Wolfe is retired Chairman of Keystone Financial, Inc. and former Chairman and Chief Executive Officer of Financial Trust Company.

He served as a director of Keystone Financial Inc. from May, 1997 though its acquisition by M&T Bank in October, 2000.

Mr. Wolfe began his banking career at Farmer's Trust Company and served as President from 1974-1982. He became Chairman, President and CEO of Financial Trust Company (the holding company of Farmer's Trust) in 1982.

Mr. Wolfe currently serves as Chairman of the Modern Transit Partnership, the Carlisle Hospital and Health Services Finance Committee and the Carlisle Chapter of the Alexis de Tocqueville Society of the United Way.

Mr. Wolfe resides in Carlisle, Pennsylvania and is a graduate of the Graduate School of Banking, Madison, Wisconsin.

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