E-Newsletter
An Electronic Publication of the North Central Massachusetts Chamber of Commerce
Inside this edition, you’ll discover the latest Chamber initiatives and success stories from across our region. From economic development projects and upcoming networking events to policy updates and workforce training opportunities, we’re keeping you connected to what matters most for your business and North Central Massachusetts.
The North Central Massachusetts Chamber of Commerce is here to help – with trusted resources, a strong business network, and a support system to keep your business and the region moving forward
The Fall continues to be one of the busiest times when it comes to legislative engagement and advocacy on behalf of our members at the North Central Massachusetts Chamber of Commerce. In September, over 80 local, state, and federal officials and candidates engaged our members during our Annual Legislative and Candidates Reception at the Chocksett Inn in Sterling. The municipal elections earlier this month saw the region’s three mayors successfully fend off challengers while new blood was appointed to all three city councils. Fitchburg resident Sally Cragin mounted a successful run for Councilor-At-Large, while Derrick Cruz won the seat for Ward 6; Gardner saw City Council President Elizabeth Kazinskas move up to Councilor-At-Large and Dana Heath fill her seat in Ward 2; while in Leominster, Todd Deacon became the newest Councilor-At-Large and Bill Brady was elected to Ward 1. The Chamber will continue to engage these newly elected officials with regards to Chamber activities and priorities.
In addition to discussions with our newly elected city officials, the Chamber continues to monitor municipal affairs across the region. Monthly mayor’s meetings with Fitchburg Mayor Stephen DiNatale and Leominster Mayor Dean Mazzarella have resumed, and a joint meeting including Gardner Mayor Mike Nicholson is scheduled for December. In October, the Fitchburg City Council voted in favor of maintaining the single tax rate. Data presented by the Assessor’s office indicated investment in the City is helping it to continue to diversify its tax base. Earlier this month, the Chamber ventured out to Sterling for a presentation on broadband internet now being offered by the Sterling Municipal Light Department. The new broadband offering will serve as a great economic development tool to attract businesses to their main artery through town, and will also prove to be a benefit for area residents.
After months of negotiations in Washington D.C., the House passed their $1.2 trillion-dollar infrastructure bill that includes $550 billion in new federal investments to the country’s infrastructure over the next 5 years including funds for airports, bridges, mass transit, ports, rail, roads, and waterways. Sixty-five billion has been set aside for investments aimed at improving America’s broadband infrastructure, and additional dollars have been set aside to improve the electric grid and water systems. Prior to its passage, Congressman Jim McGovern and Congresswoman Lori Trahan engaged the region’s officials and Chamber members during the annual Congressional Luncheon. After being held virtually last year due to the pandemic, the two spoke to a full room at Great Wolf Lodge in Fitchburg about a number of issues impacting our members including the infrastructure bill, the American Rescue Plan, taxes and political division.
On Beacon Hill, the House and Senate developed their $3.82 billion ARPA spending proposals. The two versions had some common ground on two major areas including a $500 million payment toward the state’s unemployment insurance trust fund, half the amount requests by Governor Charlie Baker, and a $500 million program to offer one-time bonuses to low-income essential workers who continued to provide in-person services during the COVID-19 crisis. Despite those commonalities, the bills differed too much for an agreement to be reached in conference committee before the end of formal session, and as of this writing, no compromise has been reached. The Chamber spent time advocating with the region’s delegation in both branches on workforce development, tourism recovery and education priorities. We also advocated for multiple initiatives contained in the One North Central regional economic development plan including the proposed business investment fund and education compact, the latter of which made it into the Senate version.
U.S. Census data released earlier this year was used to develop proposed redistricting maps for the House, Senate, and Congressional Districts. On a statewide level, population increases led to House and Senate representation shifting further eastward. The 27 communities represented by the Chamber and its affiliates will retain the same total amount of state representation, however, there will be some shifts within who falls into each district. On the federal level, Chamber members will continue to be represented by both Congressman Jim McGovern and Congresswoman Lori Trahan.
If you have any questions or concerns, please feel free to contact Travis Condon, the Chamber’s public affairs manager, at 978.353.7600, ext. 224; or via email at .
The Chamber is pleased to announce the addition of Rebecca Beaton and Stephen Sugar to our economic development team.
Beaton joins the staff in the position of Vice President of Lending where she will be responsible for helping to manage the lending and technical assistance programs offered through the Chamber’s economic development arm, the North Central Massachusetts Development Corporation. She joins the Chamber from Fidelity Bank where she served as Vice President and Small Business Relationship Manager. Her prior experience also includes work with Colonial Cooperative Bank in Gardner, Clinton Savings Bank and Spencer Savings Bank. She holds a Master’s Degree in Finance and a Bachelor’s degree in Economics from Clark University. She is active in the community, including serving on the Board of Directors for GAAMHA, Inc.; Gardner Square Two, Inc.; and the Greater Gardner Chamber.
Sugar will support the Chamber’s lending efforts on a part-time basis. He joins the Chamber team after recently retiring from Main Street Bank, where he served as a Senior Vice President of Commercial Lending. He has over thirty years of experience in underwriting and managing business loans. He is a graduate of Franklin Pierce University and has a record of community service, including serving on the Board of Directors of the Nashoba Valley Chamber and as a past member of the Finance Committee for the Town of Pepperell. He currently serves as Treasurer on the Board of the Devens Historical Museum.
“We are thrilled to welcome these two talented professionals to our team.” said Roy M. Nascimento, President & CEO of the North Central Massachusetts Chamber. “Rebecca and Steve will be a great resource to the business community as we look to expand our programs and help support new and existing small businesses in the region.”
The Chamber’s economic development affiliate, the North Central Massachusetts Development Corporation (NCMDC), completed its fiscal year on September 30, 2021. The NCMDC works in partnership with local banks, credit unions, chambers of commerce and area nonprofits to support emerging microenterprises, small businesses, and community projects in North Central Massachusetts with loans and technical assistance. The NCMDC provided a total of 84 loans during the year totaling $1,755,253 which helped retain or create a total of 158 jobs. These included 20 conventional microloans totaling $915,200 and 64 loans under round 2 of SBA’s Payroll Protection Program for $840,053.62. The average size of the loans was $20,895 with the smallest loan at $2,296 and the largest at $150,000. The conventional microloans were leveraged by another $717,500 in financing from local banks and credit unions and $229,242 in equity from borrowers. The demographic breakdown for the conventional loans was 38% to minorities; 24% to immigrants; 29% to women; and 81% to low and moderate income. Demographic breakdown for PPP loans was 53% to minorities; 58% were to women; and 64% to low and moderate income. During the year, the NCMDC also provided 2,399 hours of direct technical assistance to start-up and existing small businesses and hosted several successful workshops and forums in partnership with the Chamber.
Since the microloan program was established in the 1990s, the NCMDC has provided a cumulative total of 313 microloans totaling $10,132,302.00 which have helped create 647 jobs and retain another 300 jobs. The numbers do not include any fixed asset loans (SBA 504 loans) made during the early history of the NCMDC. When factoring in these loans, the NCMDC has made over $22 million in loans.
The NCMDC is certified by the U.S. Department of the Treasury under the Community Development Financial Institution (CDFI) program and is a micro-loan intermediary for the U.S. Small Business Administration.
Leominster Credit Union is proud to announce the following employees have been recently promoted within the organization.
Nicole Legere has been promoted to Vice President Compliance Officer. Nicole was hired in October 2015 as the Compliance Officer and then promoted AVP Compliance Officer in December 2016. She has made significant contributions to the Credit Union through her management of the Compliance Program, Vendor Management Program, Fraud Management, Bank Secrecy Program, and Internal Audit Program. Nicole earned a bachelor’s degree in Political Science & Government from the University of Massachusetts at Amherst and her Juris Doctor from Roger Williams University School of Law. She has been admitted to both the Massachusetts and New York Bar.
Andrew Leblanc has been promoted to Assistant Vice President Information Security Officer. Andrew joined LCU in April 2018 as the IT Risk Manager. As the Credit Union’s subject matter expert on cybersecurity, information security, and data privacy, he has made excellent contributions to LCU in these areas Andrew holds an AS in Computer Systems Networking and Telecommunications from ITT Technical Institute, a BS in Information Technology from Northeastern University, and an MBA in Management and Operations from Fitchburg State University.
Holly Ogden has been promoted to Assistant Vice President Mortgages. Holly joined LCU in February 2020 as the Mortgage Pipeline Manager. With 25 years’ experience in the industry, Holly has proven to be an asset to the Mortgage Team and to the Credit Union. Her level of knowledge has significantly improved processes and workflows in her department. Under Holly’s leadership and coaching, her team exceeded production goals in 2020 and 2021. Holly earned a BA in English from Massachusetts College of Liberal Arts.
Danielle Duval has been promoted to Assistant Vice President Collections. Danielle has been with LCU since August 2019 as the Collections Manager. Danielle attended Sacred Heart University and has over 15 years of experience in Commercial Lending and Collections. Danielle has consistently performed at a high level while demonstrating her strong knowledge in the area of collections, collection laws, repossessions, foreclosures and loan modifications. She has proven to be very committed to her role and to developing and training her team.
Justin Silva has been promoted to Assistant Vice President Retail Administrator. Justin has been with LCU for 22 years and holds an ASBA in Management from New England College of Business. He originally joined LCU as an intern from Worcester Vocational High School and was then hired to work at the West Boylston Street Branch as a Teller. During his tenure, he progressed through a variety of roles in the branch network up to Assistant Branch Manager and was promoted Retail Administrator in 2008. His experience and knowledge in branch operations, retail systems and member service are invaluable.
Maila Berry has been promoted to Assistant Vice President Operations. Maila has been with LCU for 25 years. She spent the first half of her career in Retail progressing through a variety of branch roles up to Branch Manager.
During the last 12 years, she has become LCU’s IRA expert and has made strong contributions to the Operations Division. Maila earned an associate degree from Becker College in Criminal Justice and a bachelor’s degree from Anna Maria College in Criminal Justice. Maila is also a Certified IRA Specialist (CIS I).
Nichole Howarth has been promoted to Assistant Vice President Digital & Member Service Center. Nichole joined LCU in 2017 as a Teller Supervisor and was promoted to Digital & Member Service Center Manager in 2019.
Nichole holds a BA in History from Merrimack College and has a strong management background from another industry. Under Nichole’s leadership, her department has grown significantly with the expansion of the digital services area as well as the addition of business services. Nichole is very committed to Leominster Credit Union, her team and our members.
Arden Twining has been promoted to Assistant Vice President Learning & Development. Arden joined LCU in 2015 as the Training Specialist and was promoted to Training Manager in 2016. She brings over 20 years of experience in the training and learning and development arena from a variety of industries. Arden attended the University of Massachusetts at Amherst and is currently completing a bachelor’s degree from St. Joseph’s College in Adult Education and Training. Arden brings a unique skill set in designing, developing, and writing training programs.
Josh Laprade has been promoted to IT Manager. Josh joined LCU in 2017 as an IT Analyst. He was promoted to IT Systems Admin II in 2019, and then to IT Team Lead 2021. Josh holds an AS in Computer Network and Service Technology and a BS in Computer Information Systems from New England Institute of Technology. Josh has made significant contributions to the Credit Union’s IT Team and is extremely dedicated to his role. He is consistently looking to improve technology and efficiencies across the Credit Union.

Chebbani brings expertise to help small business owners meet their goals through Fidelity Bank’s LifeDesign banking approach
Fidelity Bank announced the appointment of Mina Chebbani to Vice President, Business Development Officer for the bank’s service areas in Eastern, North Central and Central Massachusetts. In her new role, she will work with local businesses, both large and small, by partnering with Fidelity Bank’s caring team of commercial lenders, cash management specialists, and local banking centers to connect clients with financial tools that will help their businesses grow.
“As a highly-accomplished retail banking leader with extensive experience in building relationships with local businesses, she will provide personal attention to business owners to help plan and execute creative strategies to achieve client goals,” said Sheila King-Goodwin, Senior Vice President, Chief Community Banking Officer, Fidelity Bank.
Chebbani joins Fidelity Bank after nine years at Commerce Bank, where she most recently served as Vice President, Senior Manager in Worcester. She previously worked in business development at TD Bank in Shrewsbury.
“I’ve owned and operated small businesses myself, so I understand the challenges facing small business owners,” said Chebbani. “By utilizing the Fidelity Bank C.A.R.E. methodology, clients will receive personalized service uniquely designed to help them get where they need to be.”
A longtime resident of Worcester, Chebbani attended Worcester State University and Quinsigamond Community College where she studied Business Administration. She has completed numerous certification courses focused on small business credit training, cash management, ACH wire and home equity loans.
An active community leader, she created the Route 9 Referral Group, is a member of the Worcester Regional Chamber of Commerce and the Women’s Information Network and serves on the Sponsorship Committee for the Worcester Women’s Leadership Conference.
When the workday ends and the lights go down, Custom Cleaning Service of Peabody, Inc. gets to work. “We operate as our clients’ silent partner after business hours,” says Adam Paicos, of Templeton, who now serves as Director of Operations and oversees the company’s expansion into North Central MA. “We are not often seen, but we ensure facilities are clean, secure, and ready for business each day while serving as the eyes and ears for our clients when they are not on site.”
Discover local business stories through our Inside North Central Massachusetts Podcast series. Listen as Chamber members share their journeys, insights, and contributions to our thriving regional business community.
Looking for your next opportunity? Explore current job openings from employers across North Central Massachusetts on our Jobs Board. Whether you’re starting a new career or making a change, you’ll find a variety of local positions available to help you take the next step.
CapEx Facility Services & Construction · Leominster, MA
TaraVista Behavioral Health Center · Harvard, MA
DRS Power Technology, Inc. · Fitchburg, MA
AIS · Leominster, MA