July 1, 2019

Champlain National Bank gave $4,500 in scholarship money to graduating seniors throughout Essex and Clinton Counties at graduation ceremonies in June.  Recipients of the Champlain National Bank Scholarship receive $500 towards college expenses.  Champlain National Bank Scholarships are awarded every year at graduation to students from school districts within the two counties who will be attending college in the fall.


  • Willsboro Central School: Emily Shaffer, daughter of Jennifer Shaffer from Willsboro.  Attending SUNY Plattsburgh to study Elementary and Special Education.
  • Westport Central School: Peter Vaiciulis, son of Peter and Ofa Vaiciulis from Westport.  Attending RPI to study Math and Computer Science.
  • Elizabethtown-Lewis Central School: Tyler Monty, son of Jim and Cindy Monty from Lewis.  Attending Utica College to study Cybersecurity.
  • Crown Point Central School: Kenneth LaDeau, son of Kenneth and Paula LaDeau from Crown Point.  Attending SUNY Albany to study Business Administration.
  • Keene Central School: Kaleb Cook, son of Dean and Angela Cook from Keene Valley.  Attending Plymouth State to study Environmental Studies.
  • Plattsburgh Central School: Michael James, son of Michele Caraballo from Plattsburgh.  Attending SUNY Plattsburgh to study Business.
  • Northeastern Clinton Central School: Samantha Disco, daughter of Kelly Disco from Rouses Point.  Attending SUNY Plattsburgh to study Business.
  • Lake Placid Central School: Cooper Holmes, son of John and Colleen Holmes from Lake Placid.  Attending SUNY Albany to study Business.
  • Saranac Lake Central School: Marshal Moore, son of Jennifer Moore from Lake Clear and Greg Moore of Saranac Lake.  Attending St. John Fischer to study Finance.

piggy bank wearing a graduation hat


March 4, 2019

Champlain National Bank will be saying goodbye to three of its longest serving employees in 2019, who are retiring.  Retiring this year are Charles (Chuck) Hughes, SVP/CFO, Gayle Bridge, VP/Director of Human Resources, and Judy MacDougall, Loan Servicing.

Chuck Hughes, SVP/CFO, started with the Bank in 1989 as the Comptroller and was promoted to CFO a few years later.  He took the Bank from a place that did everything manually and by hand, and helped move the processes online during the 1990s.  Hughes remembered, “When I started we only had a mainframe and two PCs.  Now there’s a computer on every desk.  The operations room used to be filled with huge check sorting files, and the staff spent a large part of their day sorting checks and pulling checks to be returned with statements each month.  Now all of that is computerized.”  In retirement, he will be splitting his time between New York City and Paradox in the Adirondacks.

Gayle Bridge, VP/Director of Human Resources, is one of the longest serving employees in the Bank’s history.  She started with the Bank in 1979.  She worked in a variety of capacities during her 40 years including bookkeeping, payroll, in the branch, and as one of the first human resources employees.  “Thanks to the dedication and loyalty of generations of good employees along with a strong Board, Champlain National Bank remains an independent Bank,” Bridge said.  She plans to continue to live in Willsboro, but wants to spend more time during the winter in Florida.

Judy MacDougall, Loan Servicing, started as a teller in 1994 before transferring to the loan support department.  She was part of the transition to our current banking platform in 2001.  As for why she spent so many of her working years at Champlain National Bank?  “There’s always been something new to learn, and I’ve enjoyed keeping up with the changes along the way.  I like being able to solve problems and help our clients,” she said.  MacDougall is looking forward to traveling with friends and spending more time with her family in retirement.

"Chuck, Gayle and Judy exemplify those qualities of competence, dedication to our clients, and the ability to adapt to changing circumstances, which have enabled our small, community bank to thrive in an industry facing rapid change and increasing regulatory burdens,” Chairman of the Board Peter S. Paine, Jr. said.  “On behalf of our Board, I thank them for their exemplary service and wish them well in their respective retirements.”

Pictured: Chuck Hughes, Judy MacDougall, Gayle Bridge

Chuck Hughes, Judy MacDougall, Gayle Bridge


February 6, 2019

Champlain National Bank has released a five-minute video highlighting its history and continuing commitment to the North Country and Adirondacks.  Created in partnership with Adworkshop in Lake Placid, and local videographer and editor Paul Frederick, the piece features interviews with Peter S. Paine Jr., Chairman of the Board and third-generation owner of the Bank, in addition to a closer look at its community involvement and the importance of local decision making.

“Champlain National Bank is woven into the fabric of Essex and Clinton counties, and we have a great story to tell,” said Jackie Hallock, Vice President and Director of Marketing.  “It was especially important for Peter Paine Jr. to be able to tell the story about his family’s commitment to making our communities better over the last 110 years, and how we continue to provide top notch banking services for the people living here.”

The Press Republican did a story about our video and the history of the Bank:
NC Can Bank on Champlain National



January 15, 2018

Check out the newest place to park your ride at Champlain National Bank!  With all the new Amish families moving into Essex County, we realized they didn’t have a place to park when they came into town.  A horse hitching post solved the problem!  (Please note, we received permission to take these pictures.)  We even have horse snacks for any of our equine visitors!

We were thrilled the local media picked up the story!

The Sun
Bank Offers Amish Community Unique Welcome

horse and buggy horse and buggy next to cars lollipops dog biscuits horse snacks


January 11, 2019

Champlain National Bank is helping its clients who will not be receiving a paycheck due to the federal government shutdown by deferring loan payments.  On a case by case basis, the Bank will defer mortgage and other loan payments until federal employee pay resumes.

“Champlain National Bank is committed to the people of the North Country and Adirondacks, and as we’ve done in the past during times of crisis, we will work with our borrowers during this government shutdown,” President and CEO Steven Cacchio said.  “We understand that not receiving a paycheck is a time of great stress, so by removing our client’s loan payment obligations during the shutdown, we hope to ease some of the financial burden.”

Federal employees not receiving paychecks who have loans at Champlain National Bank and who would like to defer their payments, must call their local branch to get the process started.

Local news coverage on how we are helping our clients during the shutdown:

Press Republican
It Was Awful We Even Had a Shutdown

Banks, Credit Unions Offer to Help Federal Workers During Shutdown

congress with a closed banner across it


December 4, 2018

Employees at Champlain National Bank are spearheading projects throughout Essex, Clinton, and Franklin counties to help make the holidays a little brighter for local families.  The Project We Care program at Champlain National Bank partners with local agencies throughout the region to help them collect toys, food, and other items, which are provided to people in need in our communities during the holidays.

In Westport, Project We Care is working in partnership with the Westport Central School to provide gifts for children and families who another social service agency might not reach, and who might not have much under their Christmas tree.  We are looking for people who would be willing to help us by adopting a child.  To help: stop by the branch where you will find a Christmas tree full of tags, with each tag listing a local child’s wish and need for this Christmas.  These gifts do need to be returned wrapped with the tag attached by December 14.  We are also collecting non-perishable food and hygiene products which will be given to these families.  Please call 983-3316 for more information.

The Elizabethtown branch is collecting toys for ACAP’s Holidays Are For Sharing program, which provides parents with new toys to give to their children on Christmas Day.  New, unwrapped toys can be dropped off to our Elizabethtown branch and the staff there will make sure it gets to a child who might not receive a gift otherwise.  They especially are looking for gifts for middle school and high school kids.  Cologne sets and makeup kits are very popular with this age group.  The phone number in Elizabethtown is 873-6347 if you need more information.

The Willsboro and Crown Point branches are collecting food for the local food pantries to help keep their shelves full during the holiday season.  Any non-perishable food can be dropped off in the box located in the lobby of the Willsboro branch or the Crown Point branch during business hours.  For any questions, please call 963-4201 or 983-3322.

At our Plattsburgh branch located at 500 Route 3, we are working with Adirondack Helping Hands in Cadyville to provide Christmas gifts for their students in need.  To help: please stop by the branch, select a tag, and purchase the gift listed that was a request from one of these children.  These gifts do need to be wrapped and returned to the branch by December 13.  Please call 561-6000 if you have any questions.

In Champlain, we are partnering with Mooers and Rouses Point Elementary Schools to provide gifts for students they’ve identified as being at risk of not having anything under their Christmas trees.  The schools provided us with a list of “wishes” from their students that we are asking the community to help us fulfill.  Tags listing gift requests can be picked up in branch and then returned.  For more information, call the branch at 983-3314.

In Lake Placid and Saranac Lake we are collecting toys that will be given to Families First to distribute.  Tags listing a local child’s Christmas gift wish will be located in those two branches.  Please return the unwrapped gift to either Lake Placid or Saranac Lake by December 13.  If you need more details about the program, you can call 523-7070 or 304-5200.

At our Keene branch we are collecting warm clothing for local children and senior citizens in need, working in conjunction with St. Brendan’s Catholic Church and the Keene Valley Neighborhood House.  To help: stop by the branch and select a tag from their tree, which will detail the clothing item requested and the person’s size.  Gifts need to be returned to the branch by December 19 and can be either wrapped or unwrapped with the tag attached.  They are also collecting non-perishable food items for the Keene Food Pantry.  Call the branch at 576-9515 with any questions.

“We’re so proud of how our staff and the community come together during the holidays to provide to those who are less fortunate,” Vice President and Director of Marketing Jackie Hallock said.  “As the local bank, we look for opportunities where we can make a difference in our own communities.  It’s important to us that everything we collect goes to families and children in need in the North Country and Adirondacks, because we know the need is great right here.”

small tree with blue tags attached


November 26, 2018

In the latest issue of Banking New York Magazine, Champlain National Bank was ranked #5 out of all banks located in the seven North Country counties as having the Best Technology and Tools!  Thanks to all our customers who voted for our online services – we always strive to provide the latest mobile technology for you!

Banking New York Magazine

man jumping with ipad


October 28, 2018

If you’ve got questions about home loans, car financing and lending in general – listen to the latest Going Places with Ernie Galarza on WNBZ 106.3 where our Mortgage Loan Specialist and our VP/Director of Consumer Lending answer some of the most popular questions we hear!  Thanks for featuring Champlain National Bank on your show, Ernie!

Click here to listen to the interview

Pictured: Darlene Mirrer, Ernie Galarza, Buck Bobbin

Darlene, Ernie and Buck posing with an orange sports car


July 11, 2018

Champlain National Bank gave $5,000 in scholarship money to graduating seniors throughout Essex and Clinton Counties at graduation ceremonies in June.  Recipients of the Champlain National Bank Scholarship receive $500 towards college expenses, and were treated to a special luncheon at the Bank’s headquarters in Willsboro, where they were able to meet and chat with President and CEO Steven Cacchio.

Champlain National Bank Scholarships are awarded every year at graduation to students throughout Essex and Clinton Counties who will be attending college in the fall.


The Willsboro Central School Winner was Adam Mero, son of Paul and Tamara Mero of Willsboro.  He will be attending SUNY Plattsburgh in the fall and plans to study History.

In Westport, the Champlain National Bank Scholarship was presented to Elizabeth Stephens, daughter of Paul and Kristine Stephens of Westport.  She will be attending Hobart and William Smith College and majoring in Entrepreneurship.

In Elizabethtown, Emmalee Turner, daughter of Jonathan and Hattie Turner, won the Scholarship.  She plans to attend SUNY Plattsburgh to study Physical Therapy.

In Crown Point the scholarship was awarded to Bailey Skinner, daughter of Laura Noel and Adam Skinner from Crown Point.  She will be attending SUNY Plattsburgh in the fall.

Thomas Palen, son of Ed and Teresa Palen of Keene, was the winner from Keene Central School.  He will be attending Montana State University in the fall and plans to study Business.

The Seton Catholic High School student who won the scholarship was Rachel Racette.  Daughter of Henry Racette from Cadyville, she will be attending Colgate University in the fall and plans to study Economics.

Northeastern Clinton Central School’s winner was Easton Francis, daughter of Rob and Bonnie Francis from Rouses Point.  Francis will be attending the Fashion Institute of Technology to study International Business.

Jasmine Mathis, daughter of Forrest and Gisselle Edwards of Plattsburgh, was the winner from Plattsburgh High School.  She will be attending SUNY Plattsburgh to study Marketing.

Lake Placid Central School’s winner was Jennifer Godin, daughter of Darryl and Deirdre Godin of Lake Placid.  She will be attending the University of Rhode Island to study Business.

In Saranac Lake, the Champlain National Bank Scholarship was presented to Almedina Cirikovic, daughter of Denis and Rusmina Cirikovic.  She will be attending North Country Community College in the fall and plans to study Business.

Pictured: Emmalee Turner (Elizabethtown Recipient), Bailey Skinner (Crown Point Recipient), Steven Cacchio, Thomas Palen (Keene Recipient)

Winning students with CEO Steven Cacchio


July 8, 2018

We get a lot of questions about car financing, credit scores, how to build credit, and what LTV and PTI mean, so our CEO Steven Cacchio recently sat down with Ernie Galarza to answer some of the questions and more for his radio show, “Going Places With Ernie Galarza” on WNBZ.  Have a listen!

Click here to listen to the interview

Pictured: Steven Cacchio, Ernie Galarza

Steve and Ernie sitting at a table Steve talking to Ernie


April 27, 2018

We’re excited to announce that our television commercial is an award winner!  Congratulations to our creative partner, Adworkshop, who took home a Silver ADDY for our “It’s Cool to Bank Local” spot, awarded by the Capital Region Ad Federation.  ADDYs are awarded for excellence in advertising creativity.  If you haven’t seen it yet, take a look!


April 2, 2018

In honor of the Depot Theatre’s 40th year in business, Champlain National Bank has pledged $2,000 to support the theatre in 2018.  This money will be used to underwrite the performances of the play, The 39 Steps, which runs from Friday, July 20 – Sunday, August 5.

“We’re thrilled to be able to give the Depot Theatre such a big gift for their anniversary,” said Jackie Hallock, Vice President and Director of Marketing.  “The Bank got its start in Westport, so we look for meaningful ways to support the community that has supported us since 1909.  Contributing to the arts and cultural events and organizations in town is a big part of how we give back, and the Depot Theatre, which provides professional theater during the summer months, is one of the organizations that is deserving of that support.”

“We’re grateful for Champlain National Bank’s generous sponsorship," said Kim Rielly, Executive Director of the Depot Theatre.  “The Depot's continued success is a testament to the support we receive from our donors, friends, local businesses, and partners, and we’re excited to incorporate the story of our long-term business relationship with Champlain National Bank into our 40th anniversary season celebration!”

For more information about the Depot Theatre and its 40th Anniversary Season, visit

Pictured: Jackie Hallock, Kim Rielly (Depot Theatre), Medara Sherman

people standing next to the Depot Theatre entrance


March 19, 2018

Steven Cacchio, President and CEO of Champlain National Bank, is pleased to announce the following employees have been promoted:

Lena Robetoy to Branch Manager of both Willsboro and Crown Point branches.  Lena became an employee of Champlain National Bank in February 1991.  Before that, she received an Associate Degree in Accounting from Northeastern Christian Jr. College in Villanova, PA.  Lena stays active in the community by serving as the Vice President of the Ticonderoga Kiwanis Club, and by being involved with the Ticonderoga Chamber of Commerce Ambassadors Group.  She also serves as the Treasurer of the American Legion Auxiliary Post 551 in Elizabethtown.

Lena Robetoy

Michelle Cross to Willsboro Assistant Branch Manager.  Michelle started with the Bank in 1999 and has spent the majority of her career in the Willsboro branch.  She enjoys spending time at her family’s camp and watching local high school sports.

Michelle Cross

Amanda Grant to Elizabethtown Assistant Branch Manager.  Amanda became an employee of the Bank in 2015 after moving to the area to be closer to her family.  Prior to Champlain National Bank, Amanda worked for a major clinical research organization and managed a small business in North Carolina.  She holds a BA from the University of North Carolina at Wilmington in Business Administration.  Her hobbies include painting, knitting, reading, home design, hiking, running, and gardening.

Amanda Grant

Carol Lafond to Crown Point Assistant Branch Manager.  Carol is one of the Bank’s longest serving employees, starting in 1988, and has spent her entire banking career working with our clients in Crown Point.  Carol has two grown children and lives in Crown Point.

Carol Lafond