Pub. 10 2019 Issue 1

Zeno, Pockl, Lilly and Copeland, A.C. (ZPLC) is a West Virginia based firm whose principals have spent most of their public accounting careers providing services to financial institutions. ZPLC possesses a great deal of experience, dedication, trust, and even more personality. We believe in providing exceptional service with a high level of personal attention! Community-based financial institutions throughout West Virginia, Ohio, and Pennsylvania have relied on the principals of ZPLC for solutions to their audit, tax, and regulatory compliance needs for over 40 years. Each of the firm’s founders has extensive experience in solving complex issues for community banks, collectively over 80 years of experience at your service. Over 20 such institutions have joined with us as we build upon our reputation as being a valued resource for the industry. Whether you need assistance in the implementation of a complex financial reporting standard or a practical and efficient approach to internal auditing that can stand up to regulatory scrutiny, you can be secure in knowing that ZPLC professionals have the skills and the savvy on which you can rely. As members of the Private Companies Practice Section of the AICPA, as well as the PCAOB, we have extensive qualifications and experience to meet your audit service needs. CERTIFIED PUBLIC ACCOUNTANTS & ADVISORS ZPLC Contact us today if you need services in any of the following: areas: • Financial statement audits • Internal audit outsourcing or co-sourcing arrangements • Income tax planning and preparation • Trust department examinations • Regulatory compliance audits, including BSA, NACHA, OFAC • Merger and acquisition assistance • New bank formations • Going public or going private transactions • SEC reporting assistance • Interest rate risk analysis 980 National Road, Wheeling WV 26003 and 511 N. Fourth Street, Steubenville, OH 43952 304-233-5030 | www.zplcaccounting.com Michael A. Zeno, Principal Mary C. Pockl, Principal Timothy M. Copeland, Principal 980 National Road, Wheeling WV 26003 and 511 N. Fourth Street, Steubenville, OH 43952 304-233-5030 / .zplcaccou ting.com