'I highly recommend CSB to business owners'
Bob Kostin's relationship with Clarkston State Bank began long before the bank opened in January, 1999. Bob, a Clarkston attorney, and his wife, attorney and magistrate Kelley Kostin, bought CSB stock as a gift for their son, when CSB's parent company, Clarkston Financial Corporation, was first created. They felt it was important to show their appreciation and support for the venture.
"And I go way back," Bob joked. "I was a customer of Pontiac State Bank's (which pur-chased the original Clarkston State Bank in the sixties), when you could make a phone call to borrow $10,000, then pick up a check at the branch 30 minutes later."
Bob liked the personal service at PSB and knowing the personnel at the branches. But things changed after the bank was purchased by a larger chain. Clarkston's downtown branch was eventu-ally closed and Bob and Kelley, who love Clarkston's small-town atmosphere, missed the bank.
"Larger banks keep changing their person-nel and you can't maintain a relationship that way," says Bob. "The people at Clarkston State Bank impressed me right away. Dave Harrison (CSB's first president) and Dawn Horner (CSB's current president) hand delivered monthly state-ments."
The Kostins' law offices are downtown too, a little more than a block from CSB. "We like to walk to Rudy's (Quality Market), to walk to the bakery and to walk to the bank. It's all part of being part of a small community. And when you walk into the bank, the president is sitting at her desk in the main lobby and says 'Hi' to you," Bob says.
In addition to their personal accounts, including a savings account for their son Shay, the Kostins' business accounts — client trust accounts and the law office's checking account — are with CSB. "I can, in good conscience, highly recommend the bank. The staff is extremely professional and competent. On top of that the bank is conservative. That means a lot to me."
CSB Asst. Vice President of Operations, Kris Ehlke, says, "We hand-deliver statements to Main Street business customers as an extra step of customer service. We get to see business owners in their own environment that way. We also hold statements for business owners who come into the branch each day, so they don't have to wait for the mail."
Bob and Kelley and their staff are active in the community and CSB's commitment to the community is a factor in their loyalty. "We also see Dawn at Chamber meetings, luncheons and on the golf course. She's a part of the commu-nity and that's important. CSB gives you big town service and a small town atmosphere," Bob says.
"Bob and Kelley were two of our first customers at Clarkston State Bank. They have been very supportive of our "community bank" and excellent examples of living, working and supporting your community," says Dawn.