Joyce Ritchey

Vice President - Market Manager
McConnellsburg Office – Fulton & Huntingdon Area
100 Lincoln Way East
McConnellsburg, PA 17233
Office: (717) 485-6952  |  Cell: (717) 360-5833

Joyce brings over 27 years of experience in banking to F&M Trust.  As Fulton and Huntingdon County Market Manager, she works to develop new small business and retail customer relationships, direct public relations and community involvement activities, provide leadership for the bank's community offices within Fulton and Huntingdon Counties, as well as serve customer's financial needs with a variety of services.

A graduate of the Pennsylvania State University with a bachelor's degree in business administration, Joyce also attended and graduated from the Pennsylvania Bankers Association (PBA) Advanced School of Banking at Bucknell University and the American Bankers Association (ABA) School of Bank Marketing at the University of Maryland, College Park.  She has also completed various courses offered by the American Institute of Banking (AIB), attaining a general banking diploma.  

Joyce has been an active community servant supporting Big Brothers/Big Sisters of Huntingdon County and Huntingdon County Business & Industry, where she served as board member on various committees.  She previously served on the Fulton County Medical Center board of directors and has been treasurer for her church. 

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