Lake Shore Savings is a community oriented financial institution originally chartered as a savings and loan association in New York in 1891. We are dedicated to serving the financial needs of consumers and businesses within Chautauqua and Erie Counties. We are primarily engaged in the business of attracting deposits from the general public and using such funds to originate loans. Emphasis is on the origination of loans secured by first mortgages on owner-occupied, residential real estate. Other types of real estate loans, commercial loans and consumer loans are also offered. Operations are conducted from ten full-service branches and several ATM’s. At Lake Shore Savings, “Putting People First” means helping our customers, energizing our employees, respecting our shareholders, and serving the communities in our region. Lake Shore Savings Bank is an Equal Housing Lender and a member of the FDIC.