History

Lake Shore Savings chartered.

Located on current site at 128 East Fourth Street Dunkirk, NY.

Assets of $1,223,707.

Assets of $2,159,132.

Assets of $8,904,500.

Renovation of 128 East Fourth Street site. Addition of drive thru facilities.

Purchased property at 85 West Main Street Fredonia, NY. Opened first branch office, December 7th. Combined assets in excess of $63 million.

Expansion of Dunkirk location. Assets at $71 million.

100^th year of service. Assets exceed $98 million. Expansion of Fredonia location.

Installation of ATM units at Dunkirk and Fredonia locations. Assets exceed $115 million.

Mortgage office opens in Jamestown, NY.

A full-service location opens at the Wegmans Plaza at 1 Green Avenue in Jamestown. Assets exceed $135 million. Relocation and expansion of Fredonia location to the current downtown location at 30 East Main Street.

In response to customer demand, Lake Shore Savings opens a second full-service location at 115 East Fourth Street in Jamestown.

Installation of ATM unit at the D&F Plaza located at 1170 Central Avenue, Dunkirk, NY. Assets exceed $170 million. Opening of Westfield branch located at 106 East Main Street.

Installation of D.A.S.H. (Direct Access Secure Hotline), 7 days-a-week, 24 hours-a-day access to all customers accounts. Assets exceed $183 million.

Assets exceed $200 million.

A full-service branch opens at 3111 Union Road, Orchard Park, NY. A full-service branch opens at 5751 Transit Road, East Amherst, NY.

Opened full-service location at 59 Main Street, Hamburg, NY. Assets exceed $333 million.

Opened two ATM locations at Smith’s True Value Hardware Rt. 5 & 20 Irving, NY and on the SUNY Fredonia Campus at 280 Central Avenue Fredonia, NY. Assets exceed $354 million.

Opened full-service location at 3438 Delaware Avenue Kenmore, NY. Completed the renovation of our Dunkirk branch. Added an ATM location at the Dunkirk Boardwalk at The Dunkirk Pier, Dunkirk, NY. Assets exceed $407 million.

Opened full-service location at 570 Dick Road, Depew, NY. Assets exceed $479 million.

Appointment of new President and CEO, Daniel P. Reininga, upon retirement of David C. Mancuso. Assets exceed $488 million.

Completed façade renovations at Orchard Park Branch at 3111 Union Road Orchard Park, NY. Added an ATM location on the SUNY Fredonia Campus. Assets exceed $481 million.

Opened full-service location at 4950 Main Street Snyder, NY.

Introduced a new line of consumer and commercial online banking products.

125th Anniversary Celebration. Assets exceed $500 million.

Launched redesigned website. Opened Commercial Lending headquarters in Orchard Park, NY. Assets exceed $540 million.

Assets exceed $600 million.

Appointment of new President, CEO, and Director Kim C. Liddell upon retirement of Daniel P. Reininga.

Conversion of Lake Shore, MHC from mutual to stock form. Lake Shore Savings Bank converts from a federal savings bank to the New York chartered commercial bank, “Lake Shore Bank”.