REVIEWER: Dan Mertz, MIS director of Omega Financial Corporation.

BACKGROUND: Omega Financial Corporation is a bank holding company headquartered in State College, Pennsylvania. Through its subsidiary banks, the company provides a full range of consumer and commercial services. Consumer services include Internet and telephone banking, an ATM network, personal checking accounts, interest checking accounts, savings accounts, insured money market accounts, debit cards, investment certificates, fixed- and variable-rate CDs, club accounts, secured and unsecured installment loans, construction and mortgage loans, safe deposit facilities, credit lines with overdraft checking protection, IRAs and student loans. Commercial banking services include small- and high-volume business checking accounts, online account management services, automated clearinghouse origination, payroll direct deposit, commercial lending, commercial cash management services and repurchase agreements.

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