There was a time when J. Roger Moyer Jr. called Sterling Financial Corp.’s acquisition of EFI the best business decision of his life.

Susquehanna Bancshares Inc. will adopt a more decentralized structure for its local bank, said William J. Reuter, Susquehanna’s president, chairman and chief executive officer.

AmeriChoice Federal Credit Union will merge with Y.T.W. Community Federal Credit Union in York County on July 1.

Dear Mr. Berko: I’ve had the same job for 20 years. I’m 57, and, like the other employees here, I’m really unhappy with the 401(k) plan offered by the boss and managed by his poker playing/drinking buddy.

Lancaster Red Rose Credit Union asked the state Banking Department for permission to convert to a community charter covering Lancaster County.

Dear Mr. Berko: We are trying to help our daughter and her husband secure a $200,000 mortgage on a house they want to buy.

Dear Mr. Berko: When you spoke at the fundraiser for our church about the future of our country, you pointedly said that we must have a single-payer health-care system.

David B. Skerpon, a senior Commerce Bank official and a leader of volunteer organizations, has resigned to join a bank in South Carolina, according to a written statement from Commerce.

Dear Mr. Berko: My brother tells me that a regular nickel (a 5-cent piece) has 7 cents worth of metal content and that a roll of 40 nickels that costs $2 is worth $2.80 if you melt it down and sell the metals (copper and nickel) on the market.

Here’s a thoughtful holiday gift: an upbeat economic prediction from investment manager Gregory A. Church.

Dear Mr. Berko: Please tell me about Home Depot. I bought it at $51 in 2002, and it can’t seem to get back there.

Dear Mr. Berko: Mom and I have assets worth about $1.5 million, and we are thinking of having a trust for several reasons: in case we get sick and can’t manage our money, to save taxes and to make sure our assets are distributed according to our desires when we die.

Dear Mr. Berko: I have to cash out early.

Dauphin County-based Community Banks Inc. agreed to acquire BUCS Financial Corp., a Maryland bank company.

Nearly 60 percent of lenders predict their loan portfolios will soften in the next 6-12 months, a quarterly survey shows.