DAVID J. COVER, CHAIRMAN AND CHIEF EXECUTIVE OFFICER
David J. Cover is Chairman and Chief Executive Officer of Security National Trust Company. Prior to joining Security in 2016,
he was a Senior Vice President and Market Trust Director for US Trust, Bank of America Private Wealth Management in Providence,
RI. He holds a bachelor's degree in Accounting from Penn State University, an MBA from Indiana University of Pennsylvania and a
certificate in financial planning from The American College.
David is a native of the Johnstown Pennsylvania area. He has been in the wealth management business since 1986 and has held senior
leadership positions with various trust organizations since 1999. His background includes significant career stints in a fiduciary
capacity in Johnstown and York, Pennsylvania, gaining hands-on experience through positions as a trust officer, financial advisor
with Merrill Lynch (a division of BofA), trust controller, and an early-career position as an accountant. He also led a team of
portfolio managers for a registered investment advisory firm that served high net worth clients throughout the U.S.
David has been an active volunteer with the Boy Scouts of America, serving on the executive boards of a number of local councils,
having held the positions of president, council commissioner and council treasurer. In 2011, he was presented with The Silver Beaver
Award in recognition of his many years of service to Scouting. He has also been a member of the Christian Business Men’s Connection.
MICHAEL J. COOMBE, CTFA PRESIDENT
Michael J. Coombe, CTFA, is President of Security National Trust Company. Mike has over 25 years of wealth management/financial services experience. Prior to joining Security National Trust in 2012, Mike worked for 19 years at Wells Fargo Bank most recently as the Trust Team Manager at the Investment & Fiduciary Services Center in Lancaster, PA. He is a graduate of the Cannon Financial Institute Trust School and is a Certified Trust & Financial Advisor. Mike graduated Summa Cum Laude from Shippensburg University with a Bachelor of Science Degree in Business Administration majoring in finance. Mike is a member of the Lancaster County Estate Planning Council and Lancaster Chamber of Commerce. He is a 20+ year committee chair of the Central Berks American Cancer Society and serves on the grant review committee for the Lancaster Community Foundation.
MARK C. FERREL, VICE CHAIRMAN
Mark C. Ferrell is Vice Chairman of Security National Trust Company. Mr. Ferrell has over 30 years of trust experience. Prior to joining Security in 2002, he was with
Half Dollar Trust & Savings Bank and its successor, United Bank, where he served as Vice President and Trust Division Manager for its Wheeling Office. He is a graduate of
the West Virginia University College of Law and the National Graduate Trust School in cooperation with Northwestern University. Mr. Ferrell is a Certified Trust and
Financial Advisor and is a member of the Estate Planning Council of the Upper Ohio Valley, the Community Foundation for the Ohio Valley, Inc. and the West Virginia State Bar.
WILLIAM L. PARAS, SENIOR VICE PRESIDENT / TRUST INVESTMENT OFFICER
William L. Paras is Senior Vice President and Trust Investment Officer of Security National Trust Company. Mr. Paras has more than
20 years of investment management experience in developing and communicating tailored investment strategies for clients. Prior to joining
Security National Trust in 2004, Mr. Paras served as Vice President and Trust Investment Officer at United Bank in Wheeling, WV. Bill also
held investment positions at Rockland Trust Company in Rockland, Massachusetts and at Wesbanco Bank in Wheeling. A graduate of Wheeling Jesuit
University, Bill also holds an MBA from Boston University.
H. EDWARD JOHNSON, SENIOR VICE PRESIDENT / SENIOR TRUST OFFICER
H. Edward Johnson is Senior Vice President and Senior Trust Officer of Security National Trust Company. Mr. Johnson has over 28 years of personal trust and estate experience.
Prior to joining Security, Mr. Johnson served as Vice President of JP Morgan and its predecessors here in Wheeling. He is a native of Wellsburg, West Virginia and is a
graduate of West Virginia University with a B.S. in Accounting and the West Virginia University College of Law. He is a member of the West Virginia State Bar.
THOMAS A. RUEHLING, SENIOR VICE PRESIDENT / RETIREMENT SERVICES
Thomas A. Ruehling is Senior Vice President – Retirement Services for Security National Trust Company. Prior to joining Security in 2013,
Tom served in various retirement services capacities with Branch Banking and Trust Company in Winston Salem, North Carolina, most recently
serving as Vice President/State Trust Department Manager. Mr. Ruehling is a graduate of the University of Kentucky and has over 30 years of
experience in the retirement services area. He is a Certified Retirement Services Professional (CRSP) and a Chartered Mutual Fund Counselor
(CMFC) and is on the Estate Planning Council of the Upper Ohio Valley.
MELONY S. FITZWATER, SENIOR VICE PRESIDENT / SENIOR TRUST OFFICER / OFFICE MANAGER
Melony S. Fitzwater is a Senior Vice President and Senior Trust Officer for Security National Trust Company. She also serves as the
Huntington Office Manager. Melony has more than 24 years of experience in trust, investments and estate planning having previously
served as a Trust officer for JP Morgan in Huntington. She began her career with The First Huntington National Bank, a predecessor
to JP Morgan, in 1992. Melony attended Marshall University and various trust schools, including the Cannon Financial Institute,
Midwest Trust School and JP Morgan Trust School. Melony is the current President of the Greater Huntington Estate Planning Council
and a Board Member of Dress for success of the River Cities.