Oil & Gas Management


Bob Williams, Vice President

Director, Oil & Gas Management

Certified Mineral Manager

Bob joined First Citizens in 2010 as a Trust Business Development Officer for Bradford County, and due to his experience with the oil and gas industry as a landowner and a financial advisor, was quickly promoted to the position of Director of Oil and Gas Management. Bob's farming background combined with his extensive experience in insurance and investment account management helps those receiving benefits from the natural energy industry make the most of their income opportunities and achieve their financial goals. Bob Williams has dedicated himself to understanding the issues presented by natural gas development, and he is passionate about helping local mineral owners protect their interests which is why in 2013, he completed the requirements for certification as a Mineral Manager at the professional level.

Before joining First Citizens, Bob was a Financial Consultant for Gannon Associates for nine years. He also has experience as a registered investment representative for Charles Schwab, and was a Munitions Inspector for the US Air Force.

Bob received his MBA in Finance from Western International University, and is a graduate of Slippery Rock University, where he studied Sports / Recreation Management and Business Administration. He was born and raised on the family farm in Troy, PA and returned to the area after serving in the US Air Force. Bob resides in Troy with his wife, Micki, their son, Nicholas, and daughter Taylor.

Bob Williams

Director of Oil and Gas Management

Certified Mineral Manager

First Citizens Community Bank

1133 W. Main Street

Troy, PA 16947

800-223-4070 or 570-297-0707


Florence L. Prough, AVP

Trust & Estate Planning Officer

Certified Mineral Manager

If you own gas interests, it is important that you have an estate plan. Flori Prough, Trust & Estate Planning Officer at First Citizens, will help you develop an estate plan that is best for you and your unique set of goals. These goals may include the orderly transfer of your gas interests, the reduction of inheritance taxes, and the protection of your family's gas royalties for future generations. As an integral part of the team, Flori will work with your attorney, accountant, and other advisors to implement an estate plan that best achieves these goals. Her extensive background in the legal field and certificate in professional mineral management, allow her to communicate effectively with your attorney and other professionals throughout the estate planning process. Schedule a free consultation to get started.

Flori Prough, J.D., LL.M.

Trust & Estate Planning Officer

Certified Mineral Manager

15 S. Main Street

Mansfield, PA 16933

800-223-4070 or 570-662-0463