PNC Bank, Delaware, Wilmington, has promoted Elizabeth J. Hetzler to fraud officer; Carolynn S. Iorii to assistant vice president and merchant services manager; Clyde O. Kessinger to trust investment officer; Wendy W. Kopp to assistant vice president and marketing manager; Toni L. Lindsay to trust real estate officer II; Michael P. McIntyre to assistant vice president and commercial loan officer III; Susan L. Pratt to trust officer II; and Angelo Valletta to assistant vice president and information technology services manager.

Norma H. Zumsteg has been appointed vice president and community reinvestment officer of PNC Bank Delaware and PNC National Bank. She oversees the bank's Community Reinvestment Act activities and programs. She evaluates the banking and credit needs of low-income and moderate-income communities and small businesses in Delaware.

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