Mr. Stephen K. Heine

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  www.sec.gov/Archives/edgar/data/1393310/0000909654-08-0 - [Cached Version]
  Published on: 8/22/2008    Last Visited: 8/23/2008  

  0001393310 Heine Steve 114 EAST LEXINGTON STREET BALTIMORE MD 21202 0 1 0 0 Executive VP Consumer Banking

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  www.gazette.net/stories/071808/businew185138_32358.shtm - [Cached Version]
  Published on: 7/18/2008    Last Visited: 7/18/2008  

  Provident Bank of Baltimore was among the first banks in Maryland to open in-store branches, said Stephen K. Heine, Provident's executive vice president for consumer and business banking.The bank opened its first in-store branch in 1993 at a Shoppers Food & Pharmacy in Baltimore.It now has 63 branches, with another slated to open in November in an Annapolis Shoppers, he said.
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  Provident also views the relationship as a partnership and ,,proactively engages clients in the stores," Heine said.
  
  ,,Colleagues who work in our in-store branches are engaging with excellent communication skills," he said.
  
  The convenience factor is important to those who use the in-store branches, Heine said.
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  Heine said Provident is evaluating the implications. ,,We regularly evaluate our branch network and where we want to be," he said.

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  baltimore.bizjournals.com/baltimore/stories/2007/04/09/ - [Cached Version]
  Published on: 4/11/2007    Last Visited: 4/11/2007  

  Mercantile Bankshares Corp., Provident Bank, PNC Financial Services Group, Stephen K. Heine,
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  Stephen K. Heine will lead Provident's consumer and business banking units in Greater Baltimore; Greater Washington, D.C.; and central Virginia, the bank said Wednesday.
  
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  Heine was most recently senior vice president of the client services group for Mercantile, which was acquired by Pittsburgh-based PNC Financial Services Group (NYSE: PNC) in a $6 billion purchase of Baltimore's largest remaining independent bank.
  
  In a statement, Heine cited Provident's 120-year history, regional profile and "right size philosophy" as reasons for joining the bank's senior management team.
  
  "I firmly believe there is a place for local banks to succeed in this market," Heine said.

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  eastbay.bizjournals.com/eastbay/othercities/baltimore/s - [Cached Version]
  Published on: 10/17/2008    Last Visited: 10/24/2008  

  "We have people tell us, ,I just want to bank with you,' " said Steve Heine, executive vice president of consumer and business banking at Baltimore-based Provident, the city's largest independent bank.

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  web.provbank.com/About_Provident/Press_Releases/2007/20 - [Cached Version]
  Published on: 4/17/2007    Last Visited: 8/15/2007  

  "Right Size" Bank the "Right Fit" for Stephen HeineProvident Bank Appoints Mercantile Executive to EVP, Consumer and Business Banking
  
  Provident Bank has named Stephen K. Heine as Executive Vice President for Consumer and Business Banking.Heine, a former Senior Vice President with Mercantile Bankshares Corporation, will lead the bank's consumer and business banking units in Greater Baltimore, Greater Washington and Central Virginia.In this role, Heine will be responsible for leading relationship building initiatives with individuals and business owners.Additionally, Heine will work to further advance Provident as a growing regional bank, with accessible local leadership and a reputation for high quality service.
  
  Heine says Provident's 120-year history sets the bank apart in an ever-changing industry."I firmly believe there is a place for local banks to succeed in this market.At Provident, I see much potential in the bank's "right size" philosophy of being large enough to serve but small enough to care.My focus is to further establish Provident as a terrific banking partner for individuals, expand our appeal to business owners and do an exceptional job of helping our customers achieve their financial goals."
  
  Provident President and Chief Operating Officer Kevin Byrnes called Heine a strong addition to Provident's Senior Management group.
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  Heine has an extensive background in retail, small business and commercial banking with over 25 years of experience.He most recently served as Senior Vice President of the Client Services Group for Mercantile Bankshares and led the firm's strategic initiatives for retail and small business banking.He joined Mercantile in 2003 through the acquisition of Farmers & Mechanics Bank in Frederick, Maryland.While at F&M, Heine worked as Executive Vice President of commercial and retail banking.He also spent 19 years at KeyCorp, a diversified financial services company in Cleveland, Ohio, in a variety of leadership positions that included President and CEO of the Insurance Management Group.
  
  Heine received a bachelor's degree from Alfred University and an MBA from the State University of New York at Albany.Active in several civic organizations, Heine has served on boards that include the Frederick County Chamber of Commerce, the American Red Cross and the Urban League.
  
  A resident of Ijamsville, Maryland, Heine and his wife, Carole have four children.

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  www.sec.gov/Archives/edgar/data/818969/0001047469-08-00 - [Cached Version]
  Published on: 3/12/2008    Last Visited: 3/13/2008  

  Stephen K. Heine is Executive Vice President, Consumer and Business Banking, of Provident Bank.Prior to joining Provident Bank, Mr. Heine served as Senior Vice President at Mercantile Bancshares Corporation.Mr. Heine served as Executive Vice President of Farmers & Mechanics Bank prior to his joining Mercantile Bancshares.Age 48.

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  www.sec.gov/Archives/edgar/data/818969/0001193125-07-07 - [Cached Version]
  Published on: 4/9/2007    Last Visited: 4/17/2007  

  Stephen K. Heine is Executive Vice President, Consumer and Business Banking, of Provident Bank.Prior to joining Provident Bank, Mr. Heine served as Senior Vice President at Mercantile Bancshares Corporation.Mr. Heine served as Executive Vice President of Farmers & Mechanics Bank prior to his joining Mercantile Bancshares.Age 47.

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  www.gazette.net/stories/101207/businew45140_32356.shtml - [Cached Version]
  Published on: 10/12/2007    Last Visited: 10/12/2007  

  Provident Bank, which dates back in Maryland 120 years, has received calls from former Mercantile business customers who value the local ties and want to see what it can offer, said Stephen K. Heine, Provident's executive vice president for consumer and business banking.
  
  And other former senior Mercantile managers have joined local banks besides Heine, a former Mercantile senior executive who signed on with Provident earlier this year.A key reason for joining Provident was to remain with a Maryland bank, Heine said.
  
  Provident can provide clients with more intimate, targeted knowledge of the local market and personalized service than can larger, out-of-state banks, he said.

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  www.deltasig.org/?section=info&subsect=johnalfred - [Cached Version]
  Last Visited: 9/2/2008  

  Two Delta Sig alumni, Stephen Heine, Alfred '78, and Warren Smith, Alfred '56, were recently named to the Alfred University Board of Trustees.
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  Professionally, Heine serves as the Executive Vice President for Consumer and Business Banking at Provident Bank, and Smith is a retired marketing executive, having worked for Indiana National Bank and the United Way of Central Indiana among other places.

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  www.gemoney.com/aboutus/newspress/2007/p070904_Providen - [Cached Version]
  Published on: 9/4/2007    Last Visited: 12/3/2007  

  "For more than 120 years, Provident Bank has been serving our communities and providing financial solutions and resources," said Stephen Heine, Executive Vice President, Consumer Banking for Provident Bank.

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