An independently owned and operated bank dedicated to making peoples' lives better by providing creative financial solutions and superior personalized service to generations of families and businesses in our communities. We have 10 convenient locations throughout the Capital Region: Scotia, Niskayuna, Colonie, Guilderland, Glenville, Schenectady, Saratoga, GE Globacl Research Center, Rotterdam and Clifton Park. Member FDIC. Equial Housing Lender.