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Mr. Luddecke's responsibilities include the consolidation and reorganization of internal operations. Mr. Luddecke began his banking career at the Bank of Passaic and Clifton, predecessor of Valley Bank.He moved to Horizon Bank, Morristown, NJ, where he served for eleven years; at Horizon, his responsibilities grew to include direct charge of Branch Operations, ATM's and Project Management, in addition to serving as a member of the Horizon Bancorp Steering Committee. In 1987, Mr. Luddecke was recruited to organize and establish Metropolitan State Bank, Montville, NJ, where he was Executive Vice President, Chief Financial Officer and Chief Operations Officer. He has been involved in all aspects of community banking operations, marketing, personnel and finance. Mr. Luddecke is a past Sussex County District Chairman of Boy Scouts of America. | 