n January 1992,the Community Bankers of Pennsylvania (chartered in 1973) and the Pennsylvania Association of Savings Institutions (chartered in 1877) consolidated their resources and membership to form the Pennsylvania Association of Community Bankers (PACB). PACB represents, exclusively, the interests of almost 260 community banks across the state of Pennsylvania. Despite the differing structural makeup of our member institutions (commercial banks, savings banks & thrifts), they all share a strong commitment and philosophy -- meeting the financial needs of their community and citizens through hometown, quality service.