ORANGEBURG, N.Y., Nov. 18 /PRNewswire-FirstCall/ -- Raymond J. Crotty, President of Union State Bank is pleased to announce the promotion of John J. Clerkin, Jr. to Senior Vice President, Deputy Chief Credit Officer. Mr. Clerkin will assist the Chief Credit Officer in maintaining credit quality and compliance with Bank lending policies, procedures, laws and regulations as well as continue to manage the Commercial Credit Department. "John has done an exceptional job, his past experience in lending, credit administration and asset quality management is invaluable to our growing bank," noted Crotty. Mr. Clerkin joined Union State Bank in 2000, as a Senior Credit Analyst, Assistant Vice President. He was then promoted to Vice President and Commercial Credit Department Manager where he oversees the Commercial Credit Underwriting process and supervises the Bank's team of Credit Analysts. Prior to his employment with Union State Bank, Mr. Clerkin began his banking career in 1993 with Hudson Valley Bank where he held the positions of Financial Analyst, Commercial Lending Officer, and Senior Credit Analyst. He holds both a Bachelors Degree in Finance and Masters of Business Administration from Manhattan College. Mr. Clerkin currently resides in Croton-On-Hudson, New York with his wife and their daughter. Union State Bank is a full service New York State chartered, commercial bank with approximately $3 billion in assets. The Bank was founded in 1969 in Rockland County where it is headquartered and has the number one market share. In addition to its branches in Westchester and Rockland Counties, it has one location each in Stamford, CT, Manhattan and Goshen, NY. Union State Bank is a subsidiary of U.S.B. Holding Co., Inc., whose common stock is listed on the New York Stock Exchange, trading under the symbol "UBH". Further information on Union State Bank can be found by logging on to http://www.unionstate.com/. DATASOURCE: Union State Bank CONTACT: Lynne Allan, of Union State Bank, +1-845-365-4636, Web site: http://www.unionstate.com/

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