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Codorus Valley Bancorp, Inc. is headed in the right DIRECTION
as reflected by our financial performance in 2006. Our steady,
strong growth and the diligent execution of our strategic plan have
translated into increased value for our shareholders and clients.
Our VISION for the future is clear. As we move forward, we
will continue to build upon our deep roots and rich heritage
while providing our clients with innovative services to meet
their financial needs.
And, we will remain committed to our role in leading the efforts
to improve the quality of life for those who live and work in the
communities we serve, which gives us meaning and PURPOSE
that our team members grasp with enthusiasm.
Our direction, vision, and purpose are clear, and we appreciate
the support of our shareholders as we remain focused on our
efforts to ensure continued success for your company.
A
CLEAR
DIRECTION
VISION
PURPOSE
Codorus Valley Bancorp, Inc.
Annual Report 2006
Total Assets
in millions
$548
Net Income
per share, basic
$1.53
$476
$1.33
$408
$350
$1.16
$373
$1.00
$0.90
02
03
04
05
Cash Dividends
per share
06
$0.49
$0.45
$0.37
$0.39
02
03
04
05
06
Return on Average
Shareholders’
13.0%
12.3%
Equity
11.5%
$0.42
10.1% 10.3%
Rodney L. Krebs (left)
Chairman
Codorus Valley Bancorp, Inc. and PeoplesBank
Larry J. Miller (right)
Vice Chairman
President and Chief Executive Officer
Codorus Valley Bancorp, Inc. and PeoplesBank
02
03
04
05
06
02
03
04
05
06
DIRECTION
Selected Financial Data
2006
S U M M A R Y O F O P E R AT I O N S (in thousands)
Interest income
Interest expense
Net interest income
Provision for loan losses
Noninterest income
Noninterest expense
Income before income taxes
Provision for income taxes
Net income
P E R C O M M O N S H A R E (adjusted for stock dividends)
Net income, basic
Net income, diluted
Cash dividends paid
Stock dividends distributed
Book value
Cash dividend payout ratio
Weighted average shares outstanding
Weighted average diluted shares outstanding
* includes two 5% stock dividends
$
$
33,319
15,077
18,242
650
5,465
15,890
7,167
1,845
5,322
$
$
$
1.53
1.49
0.49
10%*
$
12.21
32.0%
3,489,229
3,571,019
2005
$
$
25,572
9,149
16,423
775
5,003
14,482
6,169
1,552
4,617
$
$
$
1.33
1.30
0.45
5%
$
11.11
33.6%
3,475,192
3,544,479
2004
$
$
2003
20,469
6,545
13,924
420
4,626
12,769
5,361
1,353
4,008
$
$
$
1.16
1.14
0.42
5%
$
10.38
36.3%
3,453,571
3,525,296
$
$
19,964
6,898
13,066
553
4,380
12,290
4,603
1,171
3,432
$
$
$
2002
$
$
20,674
8,907
11,767
515
3,534
11,008
3,778
677
3,101
1.00
0.99
0.39
5%
$
9.80
38.7%
3,443,823
3,483,064
$
$
$
0.90
0.90
0.37
5%
$
9.36
40.7%
3,437,487
3,452,296
P R O F I TA B I L I T Y R AT I O S
Return on average shareholders' equity (ROE)
Return on average assets (ROA)
Net interest margin
Efficiency ratio
13.0%
1.05%
3.97%
65.1%
12.3%
1.06%
4.16%
66.1%
11.5%
1.03%
4.01%
67.6%
10.3%
0.96%
4.13%
69.9%
10.1%
0.91%
3.88%
70.7%
C A P I TA L R AT I O S
Tier 1 risk-based capital
Total risk-based capital
Average shareholders’ equity to average assets
12.0%
12.7%
8.1%
10.6%
11.3%
8.6%
11.8%
12.3%
9.0%
11.1%
11.7%
9.3%
11.3%
11.9%
9.0%
S U M M A RY O F F I N A N C I A L C O N D I T I O N
AT Y E A R - E N D (in thousands)
Investment securities
Loans
Assets
Deposits
Borrowings
Equity
O T H E R D ATA
Number of bank offices
Number of employees (full-time equivalents)
Wealth Management assets,
market value (in thousands)
$
80,926
407,260
548,212
456,645
45,339
42,786
$
14
168
$ 259,453
$
69,664
369,631
476,052
385,154
49,493
38,729
$
74,140
300,260
407,671
329,537
39,493
35,982
14
163
12
146
213,735
$ 180,314
Annual Report 2006
1
$
74,069
262,363
372,547
304,282
31,234
33,789
$
11
143
$
137,186
79,723
238,546
349,897
292,627
23,253
32,223
11
163
$
113,106
To Our Shareholders
It is my pleasure to report the excellent financial results of your Company last year. By almost any measure, the performance
of Codorus Valley Bancorp, Inc. and its financial services subsidiary, PeoplesBank, A Codorus Valley Company, exceeded
expectations in 2006. These results were achieved despite a flat and sometimes inverted U.S. Treasury yield curve, the
pressures of which are forecasted to continue through 2007.
DIRECTION
As you review the 2006 financial information contained in this report and in the Form 10-K, it will become clear that all of
the Company’s key ratios and performance measurements are headed in the right direction.
“We make a living by what we get.
We make a life by what we give.”
—Sir Winston Churchill
Net income for 2006 was up over 15 percent, totaling $5.3 million. The total return on Codorus Valley common stock was
more than 18 percent in 2006. Assets in the Wealth Management Division were up over 21 percent, to now total almost
$260 million, and deposits at PeoplesBank grew over 18 percent, to end the year at over $456 million.
We are especially proud of one significant historic milestone we achieved last year; total assets of the Company topped the
half-billion mark, ending the year at $548 million, or an increase of 15 percent.
These results are directly related to the strategies developed and implemented by the Leadership Team, the actions taken
and approved by your Board of Directors, and the diligent, focused efforts of each and every member of the staff.
VISION
The primary forces that establish the strategic vision for the Company and that lay the groundwork for its direction are its
Board of Directors and Leadership Team. Both groups contain individuals with diverse backgrounds, perspectives, and
tenures with the Company, and both groups experienced changes during 2006.
VISION
After serving Codorus Valley as a member of the Board of Directors for 18 years,
Mrs. M. Carol Druck resigned from the Board in June for the purposes
of retirement. Mrs. Druck worked diligently and faithfully to increase the
Company’s presence in the community and her in-depth knowledge of the real
estate industry greatly contributed to the Mortgage Banking Division’s success.
We sincerely thank Carol for her many contributions and wish her good health
and happiness in retirement.
In July, Mr. William H. Simpson was named to the Board of Directors of the
Company. Mr. Simpson is the former President/CEO of Susquehanna Pfaltzgraff
Co. and is currently Vice Chairman of Susquehanna Real Estate LP. Mr. Simpson
has extensive business experience, as well as legendary community involvement. We look forward to Bill’s leadership and
counsel as we continue to grow the Company and to serve the needs of our community.
PeoplesBank welcomed Steven C. Skoff, Esq. to its Leadership Team in October as Senior Vice President and leader of the
newly-formed Wealth Management Division. The Wealth Management Division is comprised of the assets in the Trust and
Investment Services Division and the assets under control of Codorus Valley Financial Advisors, Inc., a subsidiary of
PeoplesBank. In 2006, the Wealth Management Division generated in excess of $2.6 million in revenue, and we look
forward to the integration of these important segments of the Company.
We also welcomed Nathan A. Eifert to the Leadership Team in June as Vice President and Director of Marketing. Nathan
brings many years of diversified banking experience to the Company, and his creativity and energy have already positively
impacted the public’s perception of the Company and the services that we offer.
Codorus Valley Bancorp, Inc.
2
Sadly, I must report the passing of someone who provided great vision and direction for the predecessors of this Company,
and served as its first Chairman of the Board of Directors. William U. Kapp, retired President and Chief Executive Officer of
the then Peoples Bank of Glen Rock, died earlier this year. Mr. Kapp was born and raised in the borough of Glen Rock,
where the Company has provided financial services since 1864. Bill quickly matured as a man on the beaches of the South
Pacific during World War II. A perfect example of the Greatest Generation, Bill served with distinction with the U.S. Marine
Corps and received the Purple Heart Medal for injuries received in action on the island of Peleliu.
Returning to Glen Rock, Bill spent his entire career working for Peoples Bank of Glen Rock. He also served as an elected
member of the Glen Rock School Board and the Southern York County Joint School District Board. To honor him,
PeoplesBank has endowed a scholarship in his name at the Southern York County School District Foundation.
Bill loved his family, his country and community, and his work. For many, he will long be remembered for his dry sense of
humor, candor, and quiet laugh. For me, Bill was a role model, a mentor, and a dear friend.
PURPOSE
Creating long-term shareholder value and improving the quality of life for our employees and community continues to be the
mission of Codorus Valley Bancorp, Inc. We believe in this mission, and it serves as our collective purpose.
About three years ago, the Leadership Team of your Company underwent a thorough, and at times exhaustive, examination
of the Company’s strengths and the needs and opportunities within our community. We determined that our people,
and their community involvement, were your Company’s greatest attributes. They actively take part in numerous local
organizations by giving of their time, talents, energy, and financial resources.
As the largest independent financial services company headquartered in York County, Codorus Valley has a duty and
purpose to assume an active role in our community. We support our staff’s non-profit activities by providing funding
to many charitable organizations. Over the past six years, we have provided in excess of $1 million to deserving York
County non-profit organizations through the Educational Improvement Tax Credit program. And looking solely at 2006,
we provided more in charitable contributions to local non-profit organizations than we spent in advertising and promoting
the Company’s brand! We feel strongly that the money was invested wisely.
Larry J. Miller
Vice Chairman,
President and Chief Executive Officer
Clearly, we are making a difference in our community and others are noticing your Company for all the right reasons.
Early last year, PeoplesBank was awarded the 2006 Public Service Award from the York County Conservation District.
This award was due in part to the bank’s efforts of quickly providing temporary financing to the Farm & Natural Lands Trust
in order to purchase a property that will become part of the Codorus State Park. And later in the year, PeoplesBank was
recognized by the Central Penn Business Journal as a finalist for the Corporate Citizen of the Year award. According to
the Journal, this award was created to honor select businesses for their outstanding contributions to Central Pennsylvania
and to recognize their strong dedication to success, business, and community. These recognitions were truly an honor for
everyone on our staff.
Direct dial: 717.747.1500
E-mail at: [email protected]
We sincerely acknowledge and appreciate the investment you have made in the Company and the confidence you have
placed in all of us. We also acknowledge that the performance of the Company is directly related to the economic and social
vitality of our community, which in turn improves the quality of life for everyone who lives, works, and plays in York County.
We would not be able to accomplish this mission without your continued support.
On behalf of the Board of Directors, Leadership Team, and everyone associated with the Company, thank you for being
a shareholder in Codorus Valley Bancorp, Inc. Please let us know how we may improve our services, our Company or
our community.
Sincerely,
Annual Report 2006
3
Corporate Information
CORPORATE PROFILE
Codorus Valley Bancorp, Inc. (Codorus Valley), incorporated in 1986, is a one-bank holding company headquartered
in York, Pennsylvania that provides a full range of financial services through its subsidiary, PeoplesBank, A Codorus
Valley Company (PeoplesBank). Codorus Valley is a publicly held corporation whose stock is traded on the NASDAQ
Global Market under the symbol CVLY. PeoplesBank, with origins dating back to 1864, is focused on acquiring and
nurturing financial relationships with small and mid-sized businesses. It also provides personal banking, mortgage
banking, wealth management, and real estate settlement services. PeoplesBank is the largest community bank
headquartered and managed in York County where it currently operates fourteen financial centers.
CORPORATE HEADQUARTERS
Codorus Valley Bancorp, Inc. is headquartered at the Codorus Valley Corporate Center, 105 Leader Heights Road,
York, PA 17403.
STOCK, DIVIDEND, AND BROKER INFORMATION
The shares of Codorus Valley Bancorp, Inc. are traded on the NASDAQ Global Market under the symbol CVLY.
Codorus Valley had approximately 939 shareholders of record as of December 31, 2006. The following table sets
forth dividends paid per share and the high and low sales prices for Codorus Valley as reported by NASDAQ
during the periods indicated. The sales prices and cash dividends per share listed are adjusted for stock dividends.
2006
2005
Quarter
High
Low
Dividends
per share
High
Low
Dividends
per share
First
Second
Third
Fourth
$19.50
19.52
19.05
21.25
$17.25
17.61
17.86
18.38
$0.118
0.118
0.124
0.129
$17.70
17.91
18.80
18.11
$15.98
15.96
15.43
16.33
$0.108
0.108
0.113
0.118
For further information, we refer you to the following market makers in our common stock:
Boenning & Scattergood, Inc.
1-800-842-8928
Ferris, Baker Watts, Inc.
1-877-840-0012
PURPOSE
Codorus Valley Bancorp, Inc.
4
INTERNET INFORMATION
Information about products and services that are offered by Codorus Valley and its subsidiaries is available on the
Internet at www.peoplesbanknet.com.
FINANCIAL INFORMATION
The Annual Report on Form 10-K is filed with the Securities and Exchange Commission (SEC). Copies of this
document and other SEC filings by Codorus Valley Bancorp, Inc. may be obtained electronically at PeoplesBank’s
website at www.peoplesbanknet.com (select Investor Relations, then select SEC Filings), or the SEC’s website at
www.sec.gov/edgarhp.htm. Copies can also be obtained without charge by writing to: Treasurer, Codorus Valley
Bancorp, Inc., P.O. Box 2887, York, PA 17405-2887.
ANNUAL SHAREHOLDERS MEETING
The Annual Meeting of Shareholders will be held on Tuesday, May 15, 2007, at 9:00 a.m. Eastern Time, at the
Codorus Valley Corporate Center, 105 Leader Heights Road, York, PA 17403.
TRANSFER AGENT
Wells Fargo Bank, N.A., Shareowner Services, 161 North Concord Exchange, South St. Paul, MN 55075.
Phone 1-800-468-9716.
DIVIDEND REINVESTMENT AND STOCK PURCHASE PLAN
Information regarding the Corporation’s Dividend Reinvestment and Stock Purchase Plan may be obtained by
contacting the transfer agent above.
FINANCIAL CENTERS
Brogue
2510 Delta Road
Brogue, PA 17309-9106
John S. Eaton, Jr., Manager
Jacobus
1 North Main Street, P.O. Box 176
Jacobus, PA 17407-0176
Barbara J. Wilson, Manager
West York
1477 Carlisle Road
York, PA 17404-4729
Mark E. Kotzman, Manager
Cape Horn
2587 Cape Horn Road
Red Lion, PA 17356-9057
Marisa G. Baublitz, Manager
Jefferson
6 Baltimore Street, P.O. Box 127
Codorus, PA 17311-0127
Tammy L. Ford, Manager
York New Salem
320 North Main Street, P.O. Box 278
York New Salem, PA 17371-0278
Algard P. Shaffer, Manager
City of York
48 East Market Street
York, PA 17401-1219
James W. Coombes, Manager
Leader Heights
109 Leader Heights Road
York, PA 17403-5137
Wendy M. Livingston, Manager
All Financial Centers have a 24-Hour ATM on-site
for customer convenience.
City of York
221 West Philadelphia Street
Suite 114
York, PA 17401-2992
James W. Coombes, Manager
New Freedom
26 East Main Street
New Freedom, PA 17349-9748
Mark S. Moscynski, Manager
Contact Information
To contact any Financial Center location,
the Client Care Center, or any bank employee,
please call us at 717-846-1970 or 1-888-846-1970.
South Hanover
1400 Baltimore Street
Hanover, PA 17331-8528
Christopher M. Aulbach, Manager
Electronic Access
Internet Banking and Online Bill Payment Services
are available at www.peoplesbanknet.com.
East York
2701 Eastern Boulevard
York, PA 17402-2907
Carol A. Gross, Manager
Glen Rock
1 Manchester Street, P.O. Box 67
Glen Rock, PA 17327-0067
Connie L. Kiser, Manager
Stewartstown
2 Ballast Lane, P.O. Box 925
Stewartstown, PA 17363-0925
Terry R. Kernan, Manager
We’re committed to everyone in our community
—including the furry residents! Throughout
2006, PeoplesBank led various fundraising
efforts to support the York County SPCA,
including our successful Pennies for Puppies
program.
Al Shaffer (left), a veteran PeoplesBank
employee for 44 years, and his staff are shown
presenting a check to the SPCA representing the
funds they raised during a three-hour car wash
at the York New Salem financial center. Because
of their efforts and the generosity of our clients
who dropped coins in our Pennies for Puppies
canisters, we raised almost $6,000 for the SPCA
in 2006.
PhoneconnecT® 24-Hour Telephone Banking
717-747-1555 or 1-888-767-1555
Annual Report 2006
5
Photo taken on the terrace of the Codorus Valley Corporate Center.
Codorus Valley Bancorp, Inc.
6
Board of Directors
CODORUS VALLEY BANCORP, INC. AND PEOPLESBANK
Rodney L. Krebs
Chairman—Codorus Valley Bancorp, Inc. and PeoplesBank
President—Springfield Contractors, Inc.
Larry J. Miller
Vice Chairman, President, and Chief Executive Officer
Codorus Valley Bancorp, Inc. and PeoplesBank
Clearly, we are making a
difference in our community
and others are noticing
your Company for all the
right reasons.
D. Reed Anderson, Esquire
Stock and Leader
Attorney at Law
MacGregor S. Jones
Retired Automobile Dealer
William H. Simpson
Vice Chairman—Susquehanna Real Estate LP
Dallas L. Smith
President—Bruce V. Smith, Inc.
Donald H. Warner
President—Warners Motor Express, Inc.
Hon. Michael L. Waugh
28th Senatorial District
Commonwealth of Pennsylvania
DIRECTORS EMERITUS—PEOPLESBANK
M. Carol Druck
Barry A. Keller
George A. Trout, D.D.S.
Bernard F. Young
1
2
3
4
5
6
1. D. Reed Anderson
2. MacGregor S. Jones
7
3. Larry J. Miller
8
4. Rodney L. Krebs
5. William H. Simpson
6. Donald H. Warner
7. Dallas L. Smith
8. Hon. Michael L. Waugh
Annual Report 2006
7
Photo taken in the Board Room of the Codorus Valley Corporate Center.
Pictured left to right: Scott T. Weaver, Nathan A. Eifert, Diane E. Hill, Todd A. Tyson, Karen L. Botts, Kent A. Ketterman, Jann Allen Weaver,
Larry J. Miller, Harry R. Swift, Matthew A. Clemens, Lynn D. Crenshaw, William H. Thompson, Keith L. Sheffer, David J. Cover, Steven C. Skoff.
Codorus Valley Bancorp, Inc.
8
Executive Officers and Leadership Group
PEOPLESBANK, A CODORUS VALLEY COMPANY
Larry J. Miller
President and Chief Executive Officer
Harry R. Swift, Esquire
Executive Vice President, Cashier, and General Counsel
Jann Allen Weaver, CPA
Executive Vice President and Chief Financial Officer
Matthew A. Clemens, SPHR
Senior Vice President—Human Resources Division
David J. Cover, CRSP
Senior Vice President—Trust and Investment Services Division
Lynn D. Crenshaw
Senior Vice President—Retail Sales and Service Division
Kent A. Ketterman
Senior Vice President—Business Banking Division
Steven C. Skoff, Esquire
Senior Vice President—Wealth Management Division
Todd A. Tyson, CFSSP
Senior Vice President—General Services Division and Security Officer
Scott T. Weaver
Senior Vice President—Administrative Services Division
Hundreds of thousands of people enjoy one of
York County’s oldest and largest events each
year—the York Fair. This past year, York County’s
oldest and largest bank—PeoplesBank—showed
its support for this family tradition by sponsoring
two areas of the Fair.
Karen L. Botts
Vice President—Information Technology Division
Nathan A. Eifert
Vice President—Director of Marketing
Visitors of all ages enjoyed the PeoplesBank
Pavilion where they could rest their feet while
enjoying the sights and smells of the Fair.
Children were treated to special events at
Maverick’s Kids Station, where they received
information about our Maverick’s Kids Savings
Account while participating in craft activities
and having photo IDs made.
Diane E. Hill, CPA
Vice President and Auditor
Keith L. Sheffer
Vice President—Mortgage Banking Division
William H. Thompson, CLU, CHFC
Executive Vice President—Codorus Valley Financial Advisors, Inc.
Annual Report 2006
9
Bank Officers and Managers
VICE PRESIDENTS
ASSISTANT VICE PRESIDENTS
Gregg A. Elicker
Vice President—Administrative Services
Steven E. Miller
Assistant Vice President and Loan Review Officer
Terrence M. Gingrow
Vice President—Business Banking
Kelly L. Rosenzweig
Assistant Vice President and Assistant Controller
Jeffrey E. Grove
Vice President—Business Banking
Timothy S. Wise
Assistant Vice President—Administrative Services
Dawn C. Paul
Vice President and Controller
Stephen T. Sherman
Vice President—Business Banking
OTHER OFFICERS
AND
MANAGERS
Phyllis A. Crumley
Retail Services Officer
Christine A. Myers
Manager—Deposit Services
Donna A. Massa
Training Officer
Mary Anne Seitz
Training Officer
Sarah A. McPherson
Trust Officer
Ronald E. Talbert
Senior Regional Business Banking Officer
Debra A. Messersmith
Manager—Floating Teller Pool
Natalie L. Thompson
Human Resources Officer
Stephanie R. Miller
Manager—Trust Operations
Dorcas J. Warner
Settlement Officer—Credit Services
Carol E. Montony
Manager—Client Care Center
Tamara L. Wildasin
Senior Commercial Credit Review Officer
Barbara J. Myers
Corporate Secretary
Codorus Valley Bancorp, Inc. 10
Codorus Valley Financial Advisors, Inc.
OFFICERS
LICENSED AGENTS
Harry R. Swift, Esquire
President
William H. Thompson, CLU, CHFC
Joseph H. Zilligen, CLU, CHFC
William H. Thompson, CLU, CHFC
Executive Vice President
Larry J. Miller
Vice President and Secretary
David J. Garber
Richard B. Shuster
Jason R. Weber
Jann Allen Weaver, CPA
Treasurer and Assistant Secretary
Todd A. Tyson, CFSSP
Vice President
SYC Settlement Services, Inc.
OFFICERS
Harry R. Swift, Esquire
President
Jann Allen Weaver, CPA
Treasurer and Assistant Secretary
Larry J. Miller
Vice President and Secretary
Scott T. Weaver
Vice President
PeoplesBank, A Codorus Valley Company
ADVISORY COMMITTEE MEMBERS
Cindy E. Baugher
President—Baugher Motors, Inc.
Richard D. Hupper, Ed.D.
Retired Educator
Keith R. Brown
Retired Personal Care Administrator
Samuel E. Keeney
President—Sam Keeney Organ and Piano Center, Inc.
Evans N. Fishel
President—H. Norman Fishel & Son, Inc.
Claude W. Rohrbaugh
President—B & R Electrical Contractors, Inc.
William W. Gemmill, Jr.
Owner—W. W. Gemmill Plumbing,
Heating & Air Conditioning
Annual Report 2006
11
Codorus Valley Bancorp, Inc. 12
Significant Events
April 18, 1864
National Banking Charter No. 435 is issued to the First National
Bank in Glen Rock.
March 14, 1919
The bank reorganizes and is issued a new charter under the
name of the Trust Company of Glen Rock.
January 24, 1934
Peoples Bank of Glen Rock incorporates with $50,000 in capital.
February 18, 1963
Peoples Bank of Glen Rock acquires the Codorus National Bank
of Jefferson.
As we mark the 20th anniversary of Codorus Valley Bancorp, Inc.,
and the 10th anniversary of the opening of the Codorus Valley
Corporate Center, we also reflect on our deep York County
roots. When we first started serving the citizens of Glen Rock in
1864, we embarked on a mission to provide our neighbors with
the financial services they needed to improve their lives. Today,
as the largest independent financial institution headquartered
in York County, we remain committed to that mission.
Since1864
October 10, 1986
The Leader Heights facility opens and houses the Data
Operations Center.
March 2, 1987
Codorus Valley Bancorp, Inc. becomes effective as the holding
company of Peoples Bank of Glen Rock.
February 4, 1997
Peoples Bank of Glen Rock changes its name to PeoplesBank,
A Codorus Valley Company.
April 25, 1997
Codorus Valley Bancorp, Inc. stock is listed on NASDAQ under
the symbol CVLY.
August 21, 1997
The 42,380 square foot Codorus Valley Corporate Center opens.
June 30, 2006
Total consolidated assets of the Company top the $500,000,000
milestone.
Codorus Valley Bancorp, Inc.
Codorus Valley Corporate Center
105 Leader Heights Road
York, PA 17403-5137
(888) 846-1970
IN MEMORY OF
WILLIAM U. KAPP
1918-2007
Proud Father
Decorated Marine
Community Steward
Devoted Mentor
Extraordinary Leader
Farewell, friend.
www.peoplesbanknet.com