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Sandy Cairns

Sandra Cairnes

Vice President / Senior Relationship Manager

Sandy’s love of community banking began in 2000, after a successful retail buying and management career. As Vice President/Sr. Relationship Manager, Sandy focuses on all areas of trust and estate administration, using her expertise to advise and manage clients through what can be an overwhelming process. Sandy is also our Wealth Associates supervisor. Before joining our Wealth Management Group in 2013, she was Vice President and Trust Officer at Honesdale National Bank in Honesdale, PA.

Sandy holds a B.S. in Finance from the Indiana University of Pennsylvania, is a graduate of the Pennsylvania Bankers Associate School of Trust, and Cannon Financial Trust Investments School. While living in the Poconos, Sandy was on the Board of the Adult Literacy Program (ALP), was a member of the NEPA Estate Planning Council, and volunteered for the Dorflinger Glass Museum and Gift Shop. She currently belongs to the Bucks County Estate Planning Council and is involved with Habitat for Humanity and the March of Dimes. Sandy enjoys boating, concerts, and spending time with her family.

Our branches will be closed on June 19th in observance of Juneteenth National Independence Day! While our branches will be closed, online and mobile banking services as well as our ATMs are available 24/7. 

Our branches will be closing at 3PM on December 31, 2025 in observance of New Year's Eve! Mobile Deposits made after 2PM will be processed on January 2.

Our branches will be closing at 1PM today on December 24, 2026 in observance of Christmas Eve! Mobile Deposits made after 12PM will be processed on December 28.

Our After-Hours Call Center is open Monday through Friday 3PM to 10PM - Call 215-579-3401

Our branches will be closed on December 25th in observance of Christmas Day! While our branches will be closed, online and mobile banking services as well as our ATMs are available 24/7. 

Our branches will be closed on November 26th in observance of Thanksgiving Day! While our branches will be closed, online and mobile banking services as well as our ATMs are available 24/7. 

Our branches will be closed on November 11th in observance of Veterans’ Day! While our branches will be closed, online and mobile banking services as well as our ATMs are available 24/7. 

Our branches will be closed on October 12th in observance of Columbus Day/Indigenous Peoples Day! While our branches will be closed, online and mobile banking services as well as our ATMs are available 24/7. 

Our branches will be closed on September 7th in observance of Labor Day! While our branches will be closed, online and mobile banking services as well as our ATMs are available 24/7. 

Our branches will be closed on July 4th in observance of Independence Day! While our branches will be closed, online and mobile banking services as well as our ATMs are available 24/7. 

Our branches will be closed on May 25th in observance of Memorial Day! While our branches will be closed, online and mobile banking services as well as our ATMs are available 24/7. 

Our branches will be closed on February 16th in observance of Presidents` Day! While our branches will be closed, online and mobile banking services as well as our ATMs are available 24/7. 

Our branches will be closed on January 19th in observance of Dr. Martin Luther King, Jr. Day! While our branches will be closed, online and mobile banking services as well as our ATMs are available 24/7. 
Our branches will be closed on January 1st in observance of New Year's Day! While our branches will be closed, online and mobile banking services as well as our ATMs are available 24/7. 
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