Our Mission Statement -- Our Values -- Our Business -- Our History -- Our Management Team

- OUR VISION -

To Be Your Community's Trusted Financial Resource

- OUR VALUES - 

Recognize and Respect the needs of others
Working together as one team
Commitment to our Mission
Honesty, Integrity and Trust
Pride in ourselves and the organization

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Mifflinburg Bancorp, Inc. is a bank holding company organized under the Pennsylvania Business Corporation Laws on February 3, 1986.
The assets are primarily those of its wholly-owned subsidiary, Mifflinburg Bank and Trust Company established in 1872

Mifflinburg Bank and Trust Company is a full-service commercial bank servicing customers from five locations.

• 250 East Chestnut Street, Mifflinburg, Pennsylvania
• Fairground Road, Lewisburg, Pennsylvania
• Penns Valley Road, Millheim, Pennsylvania
• 1169 N. Susquehanna Trail, Selinsgrove, Pennsylvania
• 214 Vine St., New Berlin, Pennsylvania

Including the stated locations, we have six full-service STAR Automated Teller Machines and seven cash dispenser machines in Union, Snyder, and Centre Counties.  As a member of the Liberty ATM Alliance our customers have access to approximately 50 ATMs throughout Pennsylvania.

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Celebrating 134 years!
1872 - 2006

An article from a 1947 edition of the Mifflinburg Telegraph states that, "In 1872 on Chestnut Street on the main thorofare leading to Bellefonte, State College and the west, the Mifflinburg Bank & Trust Company began its history, in the minds of men greatly interested in the increased advantages and financial development of the citizens of Mifflinburg and surrounding communities. Further the article states that the Bankers Association known now as the Mifflinburg Bank opened its doors to receive deposits and carry on general commercial banking on June 15, 1872 and minutes show that notes discounted on the opening day amounted to $1,128.30.

The Mifflinburg Bank was founded at a time in the history of Mifflinburg when the town was heavily involved in the manufacturing of buggies. The booming business of the town and its location along one of the main arteries to the West provided to residents good economic times and ample cash and investment opportunities that became the source of deposits for the Mifflinburg Bank.

During this early period the Mifflinburg Bank moved to several locations on Chestnut Street until in 1925 the bank moved to the location of 343 Chestnut Street. An article from a 1925 edition of the Mifflinburg Telegraph celebrating the occasion of the opening of the new bank building and the spirit of the times states that "Mifflinburg may well be proud of the great forward step this week in the opening of this modern bank building."

The Bank granted Trust Powers and Trust Company was added in 1925 making the name Mifflinburg Bank & Trust Company. In 1930 the Farmers Bank merged with the Mifflinburg Bank & Trust Company and in 1941 the bank acquired the assets of the Laurelton State Bank

In 1961 the bank completed a project that completely renovated the interior of the building and saw the addition of a new bookkeeping area, a modern drive-in window, and the first Post-Tronic bookkeeping machine in Union County. The year 1972 saw the opening of a branch office in the Shipton Shopping Plaza in Mifflinburg and bank assets reached more than $18 million.

Recognizing the rapidly changing banking environment of the 1980s, and the need to offer a greater variety of products to current and prospective customers, the Mifflinburg Bank & Trust Company joined five independent banks in the area to form LUN Data, Inc., a data processing corporation dedicated to offering quality processing services while holding a line on escalating costs.

In 1991, under President Helen Strunk (the first female president of the Pennsylvania Bankers Association), assets were over $108 million and Mifflinburg Bank & Trust opened a branch in Lewisburg. After several years of discussion, planning and then building, the bank opened its new Retail Office and Lending Center at 250 East Chestnut Street in Mifflinburg. The office was specifically designed to take the bank into the 21st century and beyond to meet the ever-changing needs of the community that it serves.

In 1997, the year in which Mifflinburg Bank & Trust celebrated its 125th anniversary, a new office at Burkholder's Market and Route 45 in Millheim was opened and the Richfield Office of Northern Central Bank was acquired. In 1998, Mifflinburg Bank & Trust Company closed out an era by limiting service at the 343 Chestnut Street Office to an ATM machine and a night bag drop.

The construction of a new office in Millheim was completed and opened for business in 2003. Milestone Insurance Services, LLC was formed and licensed to sell title insurance. With a history of strong earnings the bank reported total assets of $275 million in 2005. Significant changes in 2006 included an agreement with Brasfield Technology, LLC to perform the processing of checks and other financial data. The sale of the Richfield branch marked the start of realigning the bank’s market area. Committed to superior customer service, Milestone Investment Services was created to partner with Uvest Financial Services Group, Inc broadening the bank’s ability to offer customers additional choices of investment products and services.

Rapid changes in banking have and will continue to be anticipated in banking as Mifflinburg Bank & Trust Company strives to offer to customers and the community the latest in facilities and banking products and services and offers itself and employees as vibrant members of the community now and in the future.

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Mifflinburg Bank&Trust Management Team - (Back row from l. to r.) Thomas E. Beck, Asst. Vice President/Internal Auditor & Compliance Officer; Thomas C. Graver, Chief Financial Officer; Jeffrey J. Kapsar, President & CEO; and Jeffrey P. Reber, Executive Vice President.  Front row from l. to r.) Garry  Benfer, Vice President; Andrea L. Long, Asst. Vice President/Human Resources, Administration; Judy A. Dietz, Vice President Regional Banking; and Thomas L. Eberhart, Sr. Vice President & Chief Operating Officer.

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