Business Team

Our commercial banking team understands that strong local businesses drive a successful community, so we commit to partnering with you in the growth of your business. Whether you need fast, flexible financing, seamless checking and savings solutions, state-of-the-art merchant services, or simply some business insight, we are here for you. We are here to go above and beyond for your business and our community.

Michael O'Connell
Executive Vice President
Lending & Retail Banking

Michael O’Connell is responsible for oversight of the Adirondack Trust Company’s lending functions and retail branch system. He joined ATC in 2007. He received his Bachelor of Science degree in finance from Siena College. Michael is generous in the time and energy he devotes to his community, serving as a board member for the Transitional Services Association, as a regional loan and advisory committee member for the NYBDC Capital District, and as a member for the Saratoga Springs Rotary Club.

In addition, Michael is a graduate of the Adirondack Regional Chambers of Commerce Community Leadership program, has served as a board member of AIM Services, Inc., Family YMCA of Glens Falls, and Big Brothers Big Sisters of the Southern Adirondacks.
Kathie L. Duncan
Regional President
North Country Region

Kathie Duncan uses her extensive commercial banking experience to help businesses discover solutions to their financing needs. She joined the Adirondack Trust Company in 2007, after nearly 30 years of commercial lending leadership at another regional bank. Kathie is involved in numerous community organizations including the Glens Falls Hospital Board of Governors, the SUNY Adirondack Foundation, CWI Resources Corp., and the Glens Falls Rotary Club. Honoring her exemplary community service, the Adirondack Regional Chamber of Commerce presented Kathie with the J. Walter Juckett Community Service Award in 2014. She is a graduate of Siena College and the ABA Stonier Graduate School of Banking.
Edward Hart
Senior Vice President
Commercial Loan Manager

Edward Hart partners with our business clients, helping them to rise to challenges and optimize opportunities through commercial lending solutions. He joined the Adirondack Trust Company in 2004. Edward is dedicated to improving his community. He volunteers for the Wilton Food Pantry and coaches CYO basketball. In addition, he has donated his time and talents to the Saratoga County Economic Opportunity Council, Ballston Spa Business and Professional Association, Saratoga Springs Pop Warner, Wilton Youth Baseball Coach, Southern Saratoga YMCA, and the Guilderland Chamber of Commerce. He received his Bachelor of Science degree from the College of Saint Rose.
Lucile Lucas
Senior Vice President
Commercial Lending & Customer Experience

Lucile Lucas is a valuable resource for our business clients, offering a wealth of experience and business banking acumen. She joined the Adirondack Trust Company in 1989. Lucile received her Master of Business Administration from New York University and her Bachelor of Arts degree from Middlebury College. In addition, she is a graduate of the ABA Stonier Graduate School of Banking. Lucile is passionate about her community, serving as a board member and vice president of the Saratoga Affordable Housing Group, as commissioner and vice chair of the Saratoga Springs Housing Authority, as board member of the Saratoga Regional YMCA, and board member of Planned Parenthood Mohawk Hudson.
John W. Murphy
Senior Vice President
Commercial Loan Officer

John Murphy is passionate about assisting our business clients on the path to higher ground. Having retired from another financial institution after more than 30 years in the banking industry, John recently joined the Adirondack Trust Company with a desire to make a difference. He is a graduate of the New England School of Banking at Williams College in Williamstown, Massachusetts, and he received his Bachelor of Science degree from SUNY Plattsburgh. Understanding the importance of community involvement, John serves as a board member for the Junior Achievement of Northeastern New York, is a graduate of the Capital District Executive Institute, a board member of S.E.R.V.E of Tampa Bay, and a graduate of Leadership Tampa.
Kelley Peluso
Vice President
Commercial Loan Officer

Ms. Peluso joined The Adirondack Trust Company in 1989 as a credit analyst. She currently serves as a commercial lender with over ten years of lending experience. Ms. Peluso is a graduate of the University of Connecticut and received her MBA from the College of Saint Rose. Ms. Peluso serves on the board of the YMCA of Saratoga as 2nd Vice President and coaches recreational softball with the Old Saratoga Athletic Association and soccer in the Town of Saratoga.
Andrew Ferrara
Vice President
Commercial Loan Officer

Andrew Ferrara combines his business insight with industry knowledge to expertly guide our commercial clients toward greater success. He joined the Adirondack Trust Company in 2002 and specializes in commercial lending solutions. Andrew received his Master of Business Administration from Union College and a Bachelor of Science degree from the University of Buffalo. He lends his talents to his community as a 2014 graduate of Leadership Saratoga, treasurer for the Franklin Community Center and member of the Saratoga Springs Rotary Club.
Michael Murray
Vice President
Commercial Loan Officer

Michael Murray is dedicated to positioning our business clients for growth by paying attention to each client’s individual needs. Having joined the Adirondack Trust Company in 2009, Michael has been listening, learning and creating commercial lending solutions ever since. He has a heart for community and lends his leadership talents as Treasurer of the Adirondack Regional Chamber of Commerce and as volunteer for the Queensbury Little League. In addition, he has served the Tri-County United Way and Junior Achievement of Northeastern New York, and is a 2009 Graduate of the ARCC Leadership Program. Michael received his Bachelor of Science degree from the College of Saint Rose.
Susanne Rogan
Vice President
Commercial Loan Officer

Susanne Rogan is dedicated to helping our business clients reach new heights and fulfill their business dreams through successful commercial lending solutions. She joined the Adirondack Trust Company in 2006 and provides astute guidance to businesses that want to prosper. She received her Bachelor of Science degree in Finance from Manhattan College. Susanne is a 2017 graduate of Leadership Saratoga and lends her talents as Treasurer of the board of directors for the Shelters of Saratoga, Inc.
Ellen Brodie
Assistant Vice President
Commercial Loan Officer

Ellen Brodie helps our business clients achieve their goals through smart lending solutions. She joined the Adirondack Trust Company in 2015 and brings more than 20 years of banking experience to her role. Ellen contributes to her community in numerous ways including as a 2014 graduate of Leadership Saratoga, a committee member for the Saratoga Springs Community Advisory Council, a member of the board of directors for both the Saratoga Center for Family and Senior Center of Saratoga. In addition, she is on the Event and Fundraising Committee for the Juvenile Diabetes Research Foundation. Ellen received her Bachelor of Science degree from Buffalo Sate College.