Our Staff
David J. Cover, CRSP, CSOP
Senior Vice President and Senior Settlement Advisor
Trust & Investment Services Division
Settlement Advisory Services Group 
David has been in the trust and investment management industry for over 20 years. He holds a Bachelor of Science Degree in Accounting from The Pennsylvania State University and a Masters Degree in Business Administration from Indiana University of Pennsylvania. Additionally, David holds two professional certifications from the Institute of Certified Bankers, a subsidiary of the American Bankers Association: Certified Retirement Services Professional (CRSP) and Certified Securities Operations Professional (CSOP).
Prior to joining PeoplesBank, David was the Manager of the Investment Services Group for ARIS Wealth Services, Inc., a registered investment advisory firm in State College, Pennsylvania. In addition, he is a member of the adjunct faculties both, Penn State University and Franklin & Marshall College, where he has taught various undergraduate finance courses since 2001.
David is a member of the National Structured Settlement Trade Association (NSSTA), a professional organization that advances the use of structured settlements as a means of using periodic payments to resolve personal injury claims, workers compensation, and other types of claims. He has been guest speaker at the association’s annual meeting in Rio Grande, Puerto Rico where he presented a financial advisor’s perspective on the Aging Population Demographics and their impact on the Structured Settlement Industry. He also has been a frequent speaker at various events throughout the United States discussing the benefits of integrating trust and investment advisory products with structured settlement annuities when negotiating settlements in cases involving catastrophic injuries.
A member of the NSSTA’s Education Committee recently commented, “Mr. Cover has gained a reputation over the last few years as a visionary banker who saw the value in providing cost effective, prompt and innovative service to the U.S. government in settlement trusts as a way of creating a niche for his company that is being grown steadily and thoughtfully into a national center for settlement related banking needs.“
David is also involved in his local community. He serves on the executive board of the York Adams Council, Boy Scouts of America as Council Commissioner and is also a member of the Executive Board of the York Symphony Orchestra.
For a financial coach who will do the absolute best for you, contact David today at 717.747.1517 or dcover@peoplesbanknet.com.
Sarah A. McPherson, CTFA, Trust Officer
 A businesswoman since childhood, Sarah McPherson wants to share her business expertise with you. Sarah first gained an understanding of business as a general assistant at Maple Lawn Farms when she was 14 years old. She studied Agricultural Business Management at The Pennsylvania State University and graduated first in her major with a Bachelor of Science degree. She continued her work as an assistant at Maple Lawn Farms until she joined PeoplesBank's Trust and Investment Services division in 2002 as an administrative assistant. Within weeks of joining the trust staff, Sarah’s business expertise helped her earn a promotion to Trust Administrator. As a Trust Officer, Sarah provides portfolio management assistance and administers many of our Special Needs Trusts. Sarah earned the Certified Trust and Financial Advisors designation from the Institute of Certified Bankers in 2006 and continues to attend the Cannon Financial Institute Schools so she can increase her understanding of trust accounts .
To speak to someone who understands the banking business and wants to help you understand, contact Sarah McPherson today at 717.747-2426 or smcpherson@peoplesbanknet.com
Phyllis McCullough, Trust Officer
An experienced York County Businesswoman, Phyllis uses her business expertise to assist  PeoplesBank Trust clients. Phyllis earned her Bachelor of Arts degree in American Studies from Wilson College and a Master of Arts degree from Lehigh University. She has developed her expertise in the banking industry through valuable training and experience. Before she joined PeoplesBank's Trust & Investment Services Division, she had seven years in retail banking, where she was involved in branch management, financial product sales, and customer service. With PeoplesBank, Phyllis provides portfolio management and she administers Investment and IRA accounts.
To speak to understands the banking and investment business and wants to help you understand it, contact Phyllis today at 717.747.2558 or pmccullough@peoplesbanknet.com
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