Tolland Bank in Vernon, Conn., has promoted Gerald D. Coia to vice president of retail sales.

He is responsible for retail and small-business sales through its nine branches and will continue oversight of his commercial portfolio.

Mr. Coia was vice president of small-business lending. He joined the bank in 1996 as a vice president and commercial loan officer.

Tolland Bank is a subsidiary of $326 million-asset Alliance Bancorp of New England in Vernon.

Metrowest Bank in Framingham, Mass., has appointed Paul G. Ricchi vice president of commercial lending in the Boston office opened by the bank Nov. 9.He is responsible for increasing the $864 million-asset bank's Boston commercial loan portfolio.

He was a senior vice president at Boston Private Bank and Trust Co., where he worked for seven years before joining Metrowest in May. He has 32 years of commercial lending experience, including posts at Textron Financial Corp. in Providence, R.I.

MIDWESTFirstbank Corp. in Alma, Mich., has hired Samuel G. Stone to be vice president and chief financial officer.

Mr. Stone was senior vice president of corporate planning for two years at National City Corp. of Cleveland and before that worked 28 years at Kalamazoo, Mich.-based First of America, including as senior vice president, treasurer, director of corporate planning, and vice president of trust investments. National City bought First of America in 1998.

Firstbank has $712 million of assets.

Franklin Bank in Southfield, Mich., has promoted David Shelp to president and chief executive officer.Mr. Shelp, 54, who has been acting president since July, also was elected to the $541 million-asset bank's board of directors.

Before July he had been executive vice president, treasurer, and chief financial officer. He has held senior management posts at Franklin since it was founded in 1983.

MIDDLE ATLANTICFirst Niagara Financial Group Inc. in Lockport, N.Y., has hired Daniel A. Dintino Jr., a senior vice president at HSBC Bank USA, to be senior vice president and chief financial officer of the company and its First Niagara Bank.

Mr. Dintino, a certified public accountant, has 10 years of experience as a senior executive in finance, accounting, administration operations, and business development.

First Niagara has $1.8 billion of assets.

SOUTHEASTPeoples Holding Co. in Tupelo, Miss., has promoted Robinson McGraw to president and chief executive officer of the company and its Peoples Bank and Trust Co.

He succeeded John W. Smith, 65, who retired after 29 years at the bank, including seven as its president and CEO.

Mr. McGraw, 54, had been an executive vice president and in-house counsel since 1998. Before that he had been in charge of operations at the bank's headquarters in Tupelo since 1993. Still earlier he was a senior trust officer.

He joined Peoples in 1974 as a trust officer after beginning his banking career in 1969 as an assistant trust examiner in Atlanta for the Office of the Comptroller of the Currency.

Peoples Holding has $1.2 billion of assets.

Fauquier Bank in Warrenton, Va., has hired Eric P. Graap as chief financial officer and a senior vice president.Mr. Graap was the treasurer and CFO at the Community Preservation Corp. in New York. Before that he had been an executive vice president and CFO at Crestmont Financial Corp. in Edison Township, N.J., which Summit Bancorp of Princeton bought in 1996.

Fauquier Bank, a subsidiary of Fauquier Bankshares Inc., has $232 million of assets.

F.N.B. Corp. of Hermitage, Pa., has hired Clay W. Cone to be vice president of corporate affairs, based in its Naples, Fla., office.Mr. Cone is responsible for corporate communication strategies and directing the company's public affairs initiatives. He was senior business writer at the Naples Daily News and before that had been a reporter covering business and government for the Clearwater Sun.

F.N.B. is a $3.9 billion-asset diversified financial services company.

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