FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Estate Planning
Estate Planning Assistance
Our trust professionals will review your estate planning needs, assets and your goals with you to advise you on estate planning alternatives. Estate planning is the process of creating and preserving property during an individual’s lifetime and arranging for the desired and proper disbursement at the time of that individual’s death. In most instances, estate planning is associated with advantageous investment and tax planning, without sacrificing personal and family security and welfare.
Estate Settlement
In addition to serving as trustee, we often act in the capacity of Personal Representative as named in an individual’s will. As an alternative, we can serve as the agent for someone who has been appointed to serve in this capacity. As an agent, we handle all estate administrative duties to relieve the individual named of this often time consuming and complicated responsibility.
Investments are not FDIC insured, have no bank guarantee and may lose value.
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Richard T. McDougall, JD, CTFA
Vice President & Manager Trust Division
(402) 363-7407
Richard began his career with Cornerstone Bank in January 2002. He has worked exclusively in the trust and investment business since 1995. Richard is a graduate of the University of Nebraska - Kearney and a graduate of the University Of Nebraska College Of Law. He is a member of the Nebraska Bar Association and a member of the Real Estate and Probate Law Sections. Richard is a graduate of Cannon Financial Institute, and has achieved the Certified Trust & Financial Advisor (CTFA) designation from the Institute of Certified Bankers. He has served as an estate planning instructor for the National Business Institute and is an instructor for the Nebraska/Kansas Schools of Banking Advance Trust School. Richard served as a member of the Nebraska/Kansas Schools of Banking Advisory Trust Committee, He has served as legal counsel to the Nebraska State Treasurer and serves on various state and local boards and committees. Richard and his family are originally from DeWitt, Nebraska and have lived in York, Nebraska since 2002.
Pepper Papineau, CTFA
Vice President & Manager/Trust
(402) 363-7407
Email Pepper
Pepper received his Bachelor of Arts Degree in Business from Doane University and earned the Certified Trust & Financial Advisor (CTFA) professional certification from the American Bankers Association in 2018. He has over 10 years of experience in the trust and financial services industry and has been with Cornerstone Bank since 2012. He was recently named Vice President & Manager of the Trust Department.
Amy Hunt, CFP®, CISP, CTMC
Vice President/Trust
(402) 363-7407
Amy earned her Bachelor’s Degree in Organizational Communications from Doane College in 2010 and holds multiple professional certifications, including Certified IRA Services Professional (CISP), Certified Financial Planner (CFP®), and Corporate Trust Master Certification (CTMC). She has over 27 years of experience in banking and trust services, with expertise in financial planning, estate management, and corporate trust solutions. Amy has been with Cornerstone Bank since March 2025.
Todd Kramer, CTFA
Vice President/Trust & Retail Investments
(402) 395-2151
Todd received his Bachelor of Science Degree in Business Administration from the University of Nebraska–Lincoln and has completed his Series 63 and Series 7 requirements. He is also a graduate of Cannon Financial Institute and holds the Certified Trust & Financial Advisor (CTFA) designation from the Institute of Certified Bankers. He has been with Cornerstone Bank since January 2004.
Lynda Cruickshank, CTFA
Assistant Vice President/Trust Administrator
(402) 363-7411
Lynda earned both her Bachelor’s and Master’s Degrees from Iowa State University and has completed the ABA National Trust School and Cannon Trust School, earning the Certified Trust & Fiduciary Advisor (CTFA) designation. She brings over 20 years of banking and financial planning experience, with more than 15 years of that time in trust administration. Lynda joined Cornerstone Bank in August 2025 and serves as Assistant Vice President/Trust Administrator.
David Odom
Trust Administrator Officer
(402) 363-7411
David is a graduate of York College and was named Trust Administrator for Cornerstone Bank in York. He joined the bank in 2025, bringing over 27 years of professional experience, including 11 years at York University and 16 years at UTC Aerospace in York.
Carla Hain
Trust Operations Officer
(402) 363-7411
Carla earned an Associate of Applied Science Degree in Paralegal Studies from Kaplan University and an Associate of Applied Science Degree in Computer & Information Services from Southeast Community College. She also earned a Trust Certificate from the Nebraska Bankers Association Trust School in 2017. Carla has worked in the trust field for over ten years and joined Cornerstone Bank in September 2025.
Brian Tonniges
Property Manager
(402) 363-7411
Brian received his Bachelor’s Degree from Kearney State College, his Master’s Degree from the University of Nebraska at Kearney, and his Educational Specialist’s Degree from Wayne State College. He also attended Nebraska Wesleyan University. A native of the Polk area, Brian retired as Superintendent of Schools at High Plains Community Schools after many years in education, including nine years as Principal of York Middle School. He joined Cornerstone Bank in September 2021.
