National Bank and Trust Co. in Wilmington, Ohio, has hired Michael D. Reed Jr. as a trust investment officer.

He was the director of retirement plan services and a portfolio manager at the Lifetime Planning Inc., an investment advisory firm in Mansfield, Ohio .

Mr. Reed, an assistant vice president at National, will provide investment consulting and helps establish policies and procedures in the $573 million-asset company's investment and trust department.

MIDDLE ATLANTICCommerce Bank in Cherry Hill, N.J., has hired CoreStates veteran Kent Seinfeld as chief technology officer and a senior vice president.

Most recently a consultant with Alliance Consulting Group Inc. in Philadelphia, Mr. Seinfeld was a senior vice president of information technology at CoreStates Bank when First Union Corp. bought it in 1998.

At CoreStates he was first the manager of systems development for the MAC teller machine and point of sale network. After MAC was spun off he founded and managed CoreStates' strategic technology planning group.

He came to CoreStates in 1990 when it bought First Pennsylvania Bank in Bala-Cynwyd, of which he was the chief information officer.

Earlier he founded and managed Cigna's technology planning and research group and was the CIO of Girard Bank in Pennsylvania, which was later merged into Mellon Bank.

Commerce is a subsidiary of $8.5 billion-asset Commerce Bancorp.

The Federal Home Loan Bank of Atlanta has hired Arthur Campbell, the Commerce Department's assistant secretary in charge of economic development administration, for the newly created post of vice president of economic development in its community investment services division.Before joining the Commerce Department, Mr. Campbell was the Agriculture Department's deputy undersecretary for rural development.

The Home Loan bank also hired Kirk Malmberg as the senior vice president of asset and liability management. He is in charge of financial modeling, mortgage, and other asset programs.

Mr. Malmberg was the senior vice president of mortgages at the Chicago Home Loan Bank. He has also worked at SunTrust Capital Markets Inc. in Atlanta, Lehman Brothers, Southwest Corporate Federal Credit Union in Dallas, and the former Gill Savings Association in Hondo, Tex. (now part of Bank of America Corp.).

WESTCitizens Business Bank in Ontario, Calif., has hired Helen Chavez and Richard W. Simons as branch managers.

Ms. Chavez will run the $2.3 billion-asset company's Plaza branch in Orange, Calif., and Mr. Simons the Stadium branch there.

The two, each of whom has 16 years' experience in banking administration and commercial lending, were also named vice presidents - the same rank as at their previous jobs.

Ms. Chavez managed a Bank of America Corp. branch; she had earlier been a sales and service manager in that company's national consumer loan center.

Mr. Simons was a senior commercial loan officer at Community Bank in Pasadena. Before that he had been a vice president and district manager in Newport Beach for Chase Manhattan Bank.

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