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David R. Payne
Vice President 
Dave Payne provides investment banking services primarily to de novo banks.
For more than 10 years, Dave has been involved in myriad aspects of the industry, facilitating unique financial transactions and providing de novo consulting services in areas such as capital structure design, staffing, product design, business planning and capital funding issues. He is also responsible for assisting in mergers and acquisitions for banks and thrifts.
He previously worked at Merrill Lynch. He also was an intelligence officer in the U.S. Navy, retiring as a Lieutenant Commander after 24 years of service.
Dave holds a J.D. from the Temple University School of Law, an M.S.
in Counseling from the University of Scranton and a B.A. in Business
Management from the University of LaVerne.
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