National Community Bank

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National Community Bank Employees

Employee
Years
Job
Industry
Pat Darcey Pat Darcey Greater New York City Area Details
Pat Darcey's National Community Bank Experience 1982 - 1993
Job Marketing Director at Francis Asbury Manor
Industry Marketing and Advertising
Experience
Francis Asbury Manor   June 2010 - Present
Marketing Consultant and Freelance Copywriter   July 2008 - June 2010
Darcey & Darcey Advertising & Public Relations   1987 - 2004
National Community Bank   1982 - 1993

Education
Ramapo College of New Jersey   1995 — 2004
In Progress, Communications

Stephen Drotos Stephen Drotos Wood Ridge, New Jersey Details
Stephen Drotos's National Community Bank Experience April 1991 - June 1994
Job Ambulatory Registrar / Finance at Hackensack University Medical Center
Industry Hospital & Health Care
Experience
Hackensack University Medical Center  May 2013 - Present
Hackensack University Medical Center  June 2011 - May 2013
Underdog Truck Service   November 1998 - June 2011
Greater Community Bancorp / Bergen Commercial Bank   June 1995 - November 1998
Bank of New York  June 1994 - June 1995
National Community Bank   April 1991 - June 1994
National Community Bank   March 1990 - April 1991

Skills
Business Development, Sales, New Business Development, Management, Customer Service, Supervisory Skills, Supervisory Experience, Leadership, Employee Training, Highly Reliable, Communication Skills, Highly responsible, Efficent, Confidentiality, Epic Systems, Office Management, Bookkeeping, QuickBooks, Security, Patient Safety, ICD-9, Accounts Payable, Accounts Receivable, Accounting, Collections, Microsoft Excel, Invoicing, Banking, Payroll, Public Speaking, IFTA, Access, Healthcare, Training, Finance

Education
William Paterson University of New Jersey   1987 — 1989
Bachelor of Arts (B.A.), Business Administration and Management, General

Bergen Community College   1985 — 1987
Associate of Arts (A.A.), Business Administration and Management, General

Theresa O'Keefe Theresa O'Keefe Greater New York City Area Details
Theresa O'Keefe's National Community Bank Experience November 1974 - August 1993
Job Vice President at Boiling Springs Savings Bank
Industry Banking
Experience
Boiling Springs Savings Bank  August 2003 - Present
The Bank of New York  September 1993 - July 2003
National Community Bank   November 1974 - August 1993

Skills
Banking, Commercial Lending, Commercial Banking, Consumer Lending, Loans, Refinance, Credit Analysis, Commercial Mortgages, Small Business Lending, Lines Of Credit, Mortgage Lending, Credit, Customer Service, Construction Loans, Mortgage Banking, Branch Banking, Loan Origination, Branch Management, Retail Banking, Bank Secrecy Act, Portfolio Management, Residential Mortgages

Education
Felician College
Bachelor of Science, Business Administration

St. Mary's, Rutherford, NJ

Mahmoud Michael Rabboh Mahmoud Michael Rabboh Greater New York City Area Details
Mahmoud Michael Rabboh's National Community Bank Experience September 1987 - March 1992
Job Police Officer at Paterson PD
Industry Law Enforcement
Experience
Paterson PD   October 2003 - Present
Stop Child Abuse Found.   March 1992 - October 2003
National Community Bank   September 1987 - March 1992

Skills
Enforcement, Firearms, Community Policing, Crime Prevention, Criminal Justice, Criminal Investigations, Law Enforcement..., Public Safety, First Responder, Traffic Enforcement, Police, Patrol, Police Training, Law Enforcement, Field Training Officer

Education
Aspen University
Bachelors, Criminal Justice

Aspen University
Bachelor of Business Administration (B.B.A.), Criminal Justice/Law Enforcement Administration

Staci Freeman Staci Freeman Greater New York City Area Details
Staci Freeman's National Community Bank Experience May 1987 - August 1993
Job Analyst
Industry Food & Beverages
Experience
E.A. BERG ASSOCIATES   December 2013 - Present
Kohler Distributing   July 2013 - October 2013
PROMINENT TICKET SERVICE   November 1998 - July 2013
Ajilon Professional Staffing  July 2002 - November 2008
Ajilon/Accountants on Call   November 1993 - July 2002
National Community Bank   May 1987 - August 1993

Skills
Advanced Computer..., Access Database, Cosmetology, Sales, PeopleSoft, Talent Acquisition, Payroll, Human Resources, Account Management, Recruiting, Consulting, Technical Recruiting, Employee Relations, Accounting, Sourcing, Process Improvement, Forecasting, Coaching, Temporary Placement, Staffing Services, Cold Calling, Applicant Tracking..., Customer Service, Management, Sales Compensation...

Education
William Paterson University of New Jersey   2013 — 2015
Bachelor's degree, Business, Management, Marketing, and Related Support Services

Bergen Community College   2011 — 2012
Associate of Science (A.S.), Professional Studies, 3.42

Parisian Beauty Academy   2008 — 2009
Licensed Professional, Cosmotology

World at Work   1998 — 2002
CCP, Compensation

Central Florida Community College

Jeffrey Kraft Jeffrey Kraft Greater Philadelphia Area Details
Jeffrey Kraft's National Community Bank Experience February 1990 - February 1992
Job Experienced AML/Fraud/Corporate Security Executive
Industry Financial Services
Experience
FIS  May 2015 - Present
TD  October 2012 - September 2014
HSBC  August 2010 - August 2012
ING DIRECT  October 2007 - August 2010
Wachovia Corporation  February 1992 - October 2007
National Community Bank   February 1990 - February 1992
Wachovia Corporation  June 1986 - February 1990
Burlington County Prosecutor's Office  October 1983 - June 1986
Burlington County Probation Department   April 1983 - October 1983

Skills
AML, KYC, Fraud, USA PATRIOT Act, Bank Secrecy Act, Risk Management, Banking, Financial Risk, Compliance, Financial Services, OFAC, Operational Risk, Securities, Credit, Enterprise Risk..., Risk Assessment, Operational Risk..., Credit Risk, Anti Money Laundering, Private Investigations, Loans, Retail Banking, Credit Cards, Due Diligence, Risk Analysis, Regulations, Mergers, Investigation, Fraud Detection, Financial Institutions, Finance, Enforcement, Capital Markets, Mergers & Acquisitions, Law Enforcement

Education
Temple University
B.A, Criminal Justice

New Jersey City University Jersey
M.S, Criminal Justice

University of Phoenix
M.A, Organizational Management

Sherry Robinson, CHC Sherry Robinson, CHC Greensboro/Winston-Salem, North Carolina Area Details
Sherry Robinson, CHC's National Community Bank Experience December 1986 - May 1990
Job Sales Consultant at Lexus
Industry Health, Wellness and Fitness
Experience
Lexus  July 2015 - Present
Dr. Sears Wellness Institute  August 2014 - Present
Juice PLUS+ International Franchise  May 2014 - Present
SunTrust Bank  October 2006 - April 2014
TD  January 2004 - March 2006
BNY Mellon  May 1999 - April 2004
BNY Mellon  June 1990 - March 2004
National Community Bank   December 1986 - May 1990

Skills
Small Business Lending, Network Marketing..., Public Speaking, Career Development, Customer Retention, People Development, Connecting People, Team Building, Sales Management, Entrepreneurship, Self Management, Leadership, Wellness Coaching, Organization, Business Development, Coaching, Customer Service, Commercial Lending, Finance, Management, Sales, Small Business, Training

Education
World Instructor Training Schools   2002 — 2012
Certified Personal Trainer, Certified Personal Trainer

Dr Sears

Forsyth Technical Community College

Forsyth Technical Community College

Whiteville High School

Laurie Kearns Laurie Kearns Cooperstown, New York Details
Laurie Kearns's National Community Bank Experience August 1986 - June 1991
Job Medicaid Specialist at Focus Rehab & Nursing at Otsego
Industry Individual & Family Services
Experience
Focus Rehab & Nursing at Otsego   November 2014 - Present
Otsego County DSS   October 2002 - November 2014
Breiten Landscapes   August 2000 - October 2002
National Community Bank   August 1986 - June 1991

Education
American Institute of Banking
Cert Principles of Banking

Ramapo College of NJ

Jose Bombon Jose Bombon Greater New York City Area Details
Jose Bombon's National Community Bank Experience October 1985 - January 1989
Job Senior Accountant Consultant at Clark Davis Associates.
Industry Financial Services
Experience
Clark Davis Associates.  March 2014 - Present
Robert Half Finance & Accounting  July 2013 - February 2014
F.A.P.S, Inc. and Omega Financial Services,Inc.   February 2012 - May 2013
Hackensack University Medical Center  April 2004 - February 2009
Barnabas Health Care   March 2000 - April 2004
Parker, Duryee   October 1997 - February 2000
Prominent USA Inc, Subsidiary of ITOCHU International Inc   March 1993 - October 1997
Robert Half/ Accountemps  January 1992 - March 1993
M. Mitchell Associates   January 1989 - September 1992
National Community Bank   October 1985 - January 1989

Skills
CCD Teacher, Kickboxing, Marketing Strategy, Real Estate, Finance, Retail, Trading, Auditing, Cash Flow, Internal Controls, Accounting, Accounts Payable, Accounts Receivable, Financial Reporting, Financial Analysis, QuickBooks, Variance Analysis, PeopleSoft, Invoicing, Financial Statements, Account Reconciliation, Fixed Assets, SAP, Analysis, Budgets

Education
Jersey City State College   1987 — 1989
Business Administration/ Accounting

New Jersey City University   1987 — 1989
Business Administration and Accounting

Hudson Community College   1986 — 1988
associates, accounting

Nancy DeRiso, CPA Nancy DeRiso, CPA Greater New York City Area Details
Nancy DeRiso, CPA's National Community Bank Experience 1984 - 1986
Job President at Warren County Association of School Business Officials
Industry Education Management
Experience
Warren County Association of School Business Officials   January 2015 - Present
Oxford Central School   January 2013 - Present
Haven of Hope for Kids   September 2008 - September 2014
Lopatcong School District   January 2012 - December 2012
Warren County Special Services School District  June 2010 - December 2011
Kullman Buildings Corp.  November 2009 - June 2010
Selective Insurance Company of America  March 1992 - July 2009
Carteret Savings Bank  1986 - 1992
National Community Bank   1984 - 1986

Skills
Personnel Management, Budgets, Process Improvement, Internal Audit, Insurance, Accounting, Sarbanes-Oxley Act, Financial Analysis, Financial Reporting, GAAP, Forecasting, Internal Controls, Public Speaking, Management, General Ledger, Analysis, Financial Risk, Human Resources, Vendor Management, Project Management, Sarbanes-Oxley, Enterprise Risk..., Risk Management, Risk Assessment, Leadership, Payroll, Strategic Financial..., Business Process..., Accounts Payable, Employee Benefits, Finance, Cash Management, Access, SEC filings, Business Analysis, Strategic Planning, Corporate Finance, Financial Modeling, Executive Management, Account Reconciliation, Policy, Statutory Accounting, Accounts Receivable, Managerial Finance, Team Building, Project Planning, Financial Accounting, Microsoft Excel, System Administration, PeopleSoft

Education
Harvard Business School   2007 — 2007
Managing Human Capital Executive Educaiton Program

Babson College   1994 — 1994
Executive Education Program on Management

Fairleigh Dickinson University   1987 — 1991
MBA, Accounting

William Paterson University of New Jersey   1980 — 1984
BS, Economics

Montclair State University   1980 — 1981

James Riter James Riter Greater New York City Area Details
James Riter's National Community Bank Experience 1973 - 1993
Job VP Business Development at First Hope Bank
Industry Banking
Experience
First Hope Bank  V.P. , Branch Manager/ Business DevelopmentThe Bank of New York1993 - 2005
National Community Bank   1973 - 1993

Education
Kent State University

Enrique Levario Enrique Levario Dallas/Fort Worth Area Details
Enrique Levario's National Community Bank Experience October 2007 - January 2008
Job Accounting Supervisor at DynCorp International
Industry Accounting
Experience
DynCorp International  October 2012 - Present
DynCorp International  July 2011 - October 2012
DynCorp International  November 2009 - July 2011
Endeavor Energy Resources  January 2008 - April 2009
National Community Bank   October 2007 - January 2008
Wells Fargo & Co.   October 2006 - August 2007
University of New Mexico - Center on Alcoholism, Substance Abuse, & Addictions   August 2003 - October 2005

Skills
Financial Analysis, Accounting, Financial Reporting, General Ledger, Forecasting, Payroll, Financial Modeling, GAAP, Banking, Revenue Recognition, Loans, Hyperion Enterprise, Hyperion HFM, Sales, Cold Calling, Customer Service, Microsoft Excel, Invoicing, Microsoft Office, Problem Solving, Analytical Skills, Variance Analysis, Monthly Close Process, Variance Explanations, Cost Variance Analysis, P&L accounts, Auditing, Accounts Receivable

Education
The University of New Mexico   2000 — 2005
BBA, Finance

Paul Meyer Paul Meyer Greater New York City Area Details
Paul Meyer's National Community Bank Experience 1988 - 1989
Job Director, Cross Asset Solutions at Citi
Industry Capital Markets
Experience
Citi  August 2013 - Present
Barclays Capital  September 2008 - August 2013
Lehman Brothers  October 2003 - October 2008
State Street  October 2002 - September 2003
Deutsche Bank  2001 - 2002
Bankers Trust  1989 - 2001
National Community Bank   1988 - 1989

Skills
Hedge Funds, Asset Management, Capital Markets, Commodity, Derivatives, Equities, FX Options, Fixed Income

Education
Rutgers, The State University of New Jersey-New Brunswick   1984 — 1988
BS, Economics

Paramus

Raymond Kurzum Raymond Kurzum Greater New York City Area Details
Raymond Kurzum's National Community Bank Experience 1988 - 1995
Job Senior Vice President at Astoria Bank
Industry Banking
Experience
Astoria Bank  September 2015 - Present
Citibank, N.A.   February 2010 - September 2015
Citibank, N.A.   December 2007 - February 2010
Citibank, N.A.   October 1997 - December 2007
Bank of New York  1995 - 1997
National Community Bank   1988 - 1995
Citibank, N.A.   1986 - 1988
Chemical Bank  1982 - 1986

Skills
Loans, Cash Management, Healthcare, Banking, Portfolio Management, Strategy, Financial Risk, Relationship Management, Commercial Lending, Finance, Financial Services, Treasury Management, Retail Banking, Credit Risk, Leadership, Business Development, Small Business Lending

Education
Rutgers, The State University of New Jersey-Newark   1979 — 1981
BA, Economics, Business & Finance

Penn State University   1978 — 1979
Pre-Med Program

Wood-Ridge H.S.

Frank Campiglia Frank Campiglia Greater New York City Area Details
Frank Campiglia's National Community Bank Experience 1988 - 1994
Job Vice President NY Regional Manager/Surety at ACE Group
Industry Insurance
Experience
ACE Group  April 2013 - Present
Chartis Insurance  September 2010 - April 2013
Chartis Insurance  February 2005 - September 2010
Arab Banking Corporation  June 2004 - December 2004
National Australia Bank  November 1994 - February 2002
National Community Bank   1988 - 1994

Skills
Credit Risk, Portfolio Management, Relationship Management, Commercial Banking, Project Finance, Credit Analysis, Credit, Financial Risk, Insurance

Education
Monmouth University   1992 — 1994
M.B.A, Accounting

Seton Hall University   1982 — 1985
B.S., Marketing

Parsippany High School   1976 — 1980

Alfred University

Amy Kaminski Amy Kaminski Greater New York City Area Details
Amy Kaminski's National Community Bank Experience March 1987 - September 1993
Job Branch Manager, Assistant Treasurer at Spencer Savings Bank
Industry Banking
Experience
Spencer Savings Bank  October 2005 - Present
Interchange Bank  May 2003 - October 2005
Bank of New York Mellon  September 1993 - May 2003
National Community Bank   March 1987 - September 1993

Skills
Banking, Commercial Banking, Loans, Retail Banking, Small Business Lending

Education
Dominican College of Blauvelt   1990 — 1994
BS, Accounting

Cardinal spellman HS

Christine Raab Christine Raab Palmerton, Pennsylvania Details
Christine Raab's National Community Bank Experience June 1983 - December 1986
Job Vice President/Office Manager
Industry Mechanical or Industrial Engineering
Experience
C & A Industries, LLC   1988 - Present
Howard Savings Bank  December 1986 - July 1988
National Community Bank   June 1983 - December 1986
Hudson United Bank  April 1981 - June 1983
Miller, Montgomery, Sogi and Brady, P.C.   January 1980 - April 1981

Skills
Microsoft Excel, Microsoft Word, Microsoft Office, Customer Service, PowerPoint, Sales, Finance

Education
Rutgers, The State University of New Jersey-New Brunswick
BA, American Studies

Cedar Crest College
Certificate, Healthcare Management

Adelphi University
Certificate, Lawyer's Assistant

Tom Cakert Tom Cakert Greater Philadelphia Area Details
Tom Cakert's National Community Bank Experience January 1989 - December 1991
Job President at TC Financial Management Co Inc
Industry Investment Management
Experience
TC Financial   September 1992 - Present
TC Financial Management Co Inc   September 1992 - Present
National Community Bank   January 1989 - December 1991

Skills
Investments, Wealth Management, Asset Managment, Asset Allocation, Strategic Planning, Asset Management, Business Development, Strategic Financial..., Portfolio Management, Due Diligence, Retirement, Securities, Real Estate, Public Speaking, Fixed Income, Coaching, Fundraising

Education
Saint Joseph's University   1965 — 1969
BS, Management Marketing

Margaret Kranz Margaret Kranz Greater New York City Area Details
Margaret Kranz's National Community Bank Experience 1986 - 1995
Job Vice President/Relationship Sales Manager at Valley National Bank
Industry Banking
Experience
Valley National Bank  August 1998 - Present
Vernon Chamber Charities   November 2009 - Present
Sussex County Chamber of Commerce   1998 - 2011
Vernon Chamber of Commerce   1999 - 2010
Bank of NY  1995 - 1998
National Community Bank   1986 - 1995

Skills
Small Business Lending, Commercial Lending, Commercial Banking, Credit, Retail Banking, New Business Development, Mortgage Lending, Portfolio Management, Loans, Banking, Commercial Mortgages, Residential Mortgages, Mortgage Banking, Loan Origination, Small Business, Sales

Education
State University of New York College at Oneonta   1980 — 1984
BS, Business/Economics

Jo Ann Rogers Jo Ann Rogers Parsippany, New Jersey Details
Jo Ann Rogers's National Community Bank Experience January 1987 - January 1992
Job Accounts Payable Coordinator Wyndham Worldwide
Industry Hospitality
Experience
Wyndham Worldwide  August 2012 - Present
ZeroChaos  August 2010 - August 2012
Wyndham Worldwide Corp   April 2006 - April 2010
Advantage Human Resourcing  November 2005 - April 2006
Laparoscopic Surgeons of NJ   October 2005 - November 2005
Wood Stuff Furniture   January 1999 - January 2005
National Community Bank   January 1987 - January 1992

Skills
Invoicing, Customer Service, Sarbanes-Oxley Act, Vendor, Management, Time Management, Human Resources, Accounts Payable, PeopleSoft, Process Scheduler

Education
Ramapo College of NJ   1982 — 1984
B.S, Business Administration; Marketing

County College of Morris   1979 — 1981
A.A, Business Administration

Greg Faljean Greg Faljean Greater New York City Area Details
Greg Faljean's National Community Bank Experience September 1982 - May 1998
Job Legal Administrator at Lomurro, Davison, Eastman and Munoz, PA
Industry Legal Services
Experience
Lomurro, Davison, Eastman and Munoz, PA   May 1998 - Present
National Community Bank   September 1982 - May 1998

Skills
Budgeting, Strategic Planning, Editing

Education
Fairleigh Dickinson University   1980 — 1982
MBA, Finance

Fordham University   1970 — 1974
BA, Political Science

Marie DelRosso Marie DelRosso Greater New York City Area Details
Marie DelRosso's National Community Bank Experience September 1985 - September 1993
Job Accounts Payable Specialist at Jet Aviation
Industry Consumer Electronics
Experience
Jet Aviation  September 2011 - Present
ArchBrook Laguna  October 2010 - August 2011
Toshiba America Consumer Products, LLC  August 2009 - September 2010
Swatch Group  December 2008 - August 2009
Toshiba America Consumer Products, LLC  February 2006 - July 2008
Emdeon  February 2001 - January 2006
Bestfoods  July 1999 - February 2001
Sequa Can Machinery   May 1995 - October 1997
National Community Bank   September 1985 - September 1993

Skills
General Ledger, Accruals, Accounts Payable, Finance, Bookkeeping, SAP, Account Reconciliation, Invoicing, Fixed Assets, Microsoft Excel, IBM iSeries, Journal Entries, Management, Accounting, Purchasing, Financial Analysis, Training, Auditing

Education
Everest Online   2013 — 2016
Associate's Degree, Accounting, A = 99.14% or 4.0 GPA

Saint Peter's University   1996 — 2000
BS in Bus. Mgmt, Business Managment curriculium including accounting, law, economics, philosophy, english, math, etc.

Bergen Community College   1982 — 1986
Accounting princilples I & II, Intermediate Accounting, English, Anatomy, History, Economics, etc.

Wood-Ridge High School   1979 — 1982
Diploma, College Classical english, algebra, history, biology, trig

Anita McGoldrick Anita McGoldrick Tucson, Arizona Area Details
Anita McGoldrick's National Community Bank Experience 1986 - 1987
Job Pima County Superior Court Judicial Administrative Assistant
Industry Government Administration
Experience
Davison, Eastman & Munoz, P.A.   June 2006 - February 2014
Fennemore Craig  1995 - 1997
Peckar & Abramson, P.C.   1989 - 1995
National Community Bank   1986 - 1987
Elvira Elementary School   1982 - 1986

Skills
Legal Assistance, Legal Research, Legal Writing, Litigation, Civil Litigation, Courts, Trials, Westlaw, Administrative..., Commercial Litigation, Litigation Support

Education
University of Arizona   1980 — 1982
Bachelor of Arts, Education

Pima Community College   1976 — 1979
Associate's Degree, Elementary Education and Teaching, K-12

Rincon High School   1974 — 1976
High School

Zweibrucken American High School   1971 — 1974
High School

Diana (Nunez) Dempsey Diana (Nunez) Dempsey Greater New York City Area Details
Diana (Nunez) Dempsey's National Community Bank Experience February 1989 - September 1993
Job Branch Manager at Boiling Springs Savings Bank
Industry Banking
Experience
Boiling Springs Savings Bank  June 2014 - Present
Valley National Bank  January 2012 - May 2014
TD  November 2005 - December 2011
BNY Mellon ( formerly Bank of New York)   November 2000 - October 2005
BNY Mellon (formerly Bank of New York)   March 1997 - November 2000
BNY Mellon (formerly Bank of New York)   September 1993 - March 1997
National Community Bank   February 1989 - September 1993

Skills
Management, Sales, Business Development, Customer Service, Operations Management

Education
Hudson County Community College   1996 — 2002
Associate of Arts (A.A.), General Studies

North Bergen High School   1984 — 1987

Peter Sellix Peter Sellix Wayne, New Jersey Details
Peter Sellix's National Community Bank Experience September 1973 - September 1993
Job Loan Review Manager at TD Bank, America's Most Convenient Bank
Industry Banking
Experience
TD Bank, A,merica's Most Convenient Bank   September 1993 - Present
National Community Bank   September 1973 - September 1993

Skills
Loans, Commercial Banking, Banking, Commercial Real Estate, Management, Credit Analysis, Portfolio Management, Credit Risk, Commercial Lending

Education
New York University   1970 — 1972
Master of Business Administration (MBA), Banking, Corporate, Finance, and Securities Law

Lehigh University - College of Business and Economics   1966 — 1970
Bachelor of Science (BS), Economics

Mary Bostek Mary Bostek Greater New York City Area Details
Mary Bostek's National Community Bank Experience March 1990 - September 1993
Job
Industry Human Resources
Experience
Lucent Technologies  November 1996 - February 2000
The Bank of New York  September 1993 - November 1996
National Community Bank   March 1990 - September 1993

Skills
Microsoft Word, PowerPoint, Outlook, Human Resources, Performance Management, Microsoft Office

Education
Kean University   1987 — 1989
Master of Arts (M.A.), Behavioral Sciences

William Paterson University of New Jersey   1983 — 1987
Bachelor of Arts (B.A.), Psychology

Betty Diaz Betty Diaz Brigantine, New Jersey Details
Betty Diaz's National Community Bank Experience September 1980 - November 1989
Job Vice President at TD Bank Group
Industry Banking
Experience
TD Bank Group  May 1990 - Present
National Community Bank   September 1980 - November 1989

Education
Atlantic Cape Community College   1976 — 1979

Holy Spirit High School   1972 — 1976