Raymond F. O'Conor, executive vice president Saratoga National Bank and Trust Co., Saratoga Springs, N.Y., will become its president and chief executive Jan. 1.

Mr. O'Conor joined Saratoga National on its opening, in 1988, as assistant vice president. He was promoted to vice president in 1990 and executive vice president in 1993.

Before joining the company he was a financial services officer at Glen Falls (N.Y.) National Bank and Trust Co.

In his new posts he will succeed Philip R. Stephenson, who is retiring.

Mr. Stephenson has been Saratoga National's president since it was formed. Before that he worked for Glens Falls National for 30 years.

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