John T. Fretz Insurance Agency, Inc.

M. Scott Clemens, CPCU,CIC CLU	Owner/Agency Principal

Herbert F. Shelly, CIC,AAI	Commercial Lines Manager
Kathy C. Delp, CIC,CISR	Personal Lines Manager
Laurene Yerger, CISR	Accounting/Systems Manager
David A. Cassel, CIC	Property/Casualty Manager

M. Shea Kuhns, CIC,CISR	Personal Lines Producer
J. Ryan Delp	Personal Lines Producer

Valerie Holzhauer, CIC	Commercial Account Representative
Joyce, Kratz, CISR	Commercial Account Representative
Merrilee Henley	Personal Service Representative
Cindy Weierman, CISR	Personal Service Representative

Deborah Powis, CISR	Commercial Support Staff
Diane Clemens	Accounting Support Staff