Banker Harold C. Rauner thought he saw a void in the financial marketplace in McLean and began to fill it earlier this year.

In December of 1986, McLean Bank merged with Madison National Bank of Washington and "left McLean without an independent community bank," said Rauner, former senior vice president of McLean Bank. Rauner left McLean Bank in February to start the Heritage Bank of Northern Virginia. Heritage Bank, which has a state charter and is a member of the Federal Deposit Insurance Corp., is scheduled to open in August.

"I heard {through a friend who works in the Federal Reserve} that Independent Banks of Virginia Inc., a holding company, was interested in starting a small bank in Northern Virginia," Rauner said. He began negotiating with the holding company in October of last year, and four months later the 37-year-old from Fort Wayne, Ind., found himself at the helm as president of Heritage Bank, a subsidiary of the Independent Banks of Virginia.

"I see Heritage as the generic hometown bank," Rauner said. "A customer walks in the door, and our bank officers know who he or she is.

"Heritage will have the ability and flexibility to cater to the individual needs of its clients. For example, we may be able to react quicker when a client wants a home equity loan because we are familiar with him and his property," he said.

The Independent Banks of Virginia supports Rauner's community bank philosophy. "Community banks are more profitable," said C. Phillips Kraemer, president of Independent Banks of Virginia. "According to 1986 figures published by the Sheshunoff organization {a nationally known bank consulting firm in Austin}, the return on assets for the five largest banks in Virginia was 1.03 percent, while for small banks, with assets between $55 to $99 million, that figure was 1.31 percent," he said. Independent Banks of Virginia is a network of three independent banks: Heritage Bank and Trust in Norfolk, Princess Anne Commercial Bank in Virginia Beach and the Heritage Bank of Northern Virginia.

The holding company has invested $3 million in Heritage. Rauner handpicked the board of directors, all of whom are long-time residents of McLean. Peter D. Brennan, retired vice president of USAir and 15-year resident of McLean, will serve as chairman of the board. Other board members include Philip F. Herrick Jr., Robert Newbill, Thomas J. Fadoul Jr., Edmund L. Walton Jr. and Kraemer.

Rauner expects to hire 10 full-time staff members from the area. Independent Banks of Virginia simply "put up the front money for the bank, on the assumption that its charter would be approved," Rauner said.

Heritage has no relationships with its holding company's other subsidiaries, "except when it makes sense," Rauner said. "For a big loan, it may be wise to spread the risk over more than one bank, we could do that through Independent Banks of Virginia's other subsidiaries."

How does a small bank compete with the many services offered by large banks? "Any bank that says it cannot offer all the same products as a big bank just doesn't want to do the extra work," answered Rauner. Heritage will be tied into the MOST automatic teller machine system, enabling customers to get cash at dozens of locations in the D.C., Virginia and Maryland area. Rauner plans to offer wire transfers and have bilingual tellers to serve the needs of foreign clients who live in McLean.

Rauner also said his bank will be distinctive for other reasons. He plans to pay his tellers a little more and give them other incentives to stay with Heritage. He wants to see each teller build a customer base. "Every time a customer walks into the bank, I want him to go to the same teller rather than waiting in a queue and wondering which window will open next," he said.

Rauner does not intend to spread the Heritage name outside of McLean. "When you start branching out of the neighborhood, you are no longer a community bank, and you lose what made you special," he said.

ASSOCIATIONS Charles O. Zuver has been named executive vice president and director of governmental affairs for the Credit Union National Association Inc. He will head the Washington office.

John W. Sroka was elected executive vice president of the Sheet Metal and Air Conditioning Contractors' National Association Inc.

The American Insurance Association named Elisa K. Siegel manager of public affairs, and Kendra Swe librarian.

Douglas Romaniak has been named director of research and deputy director of administration for the Bankers' Association for Foreign Trade.

The Sugar Association Inc. named Dr. Theodore Cayle vice president of scientific affairs.

Kevin T. Cronin has been named Washington counsel for the National Association of Insurance Commissioners.

BANKING, FINANCIAL SERVICES The First American Bank of Maryland elected Steven A. Guttman, Padraic Kennedy and E. Brooke Lee III to its board.

The Federal National Mortgage Association appointed Judith Dedmon senior vice president of the southwestern regional office.

Ferris & Co. appointed Linda Dwyer senior portfoilo manager, Alice Bayer Middleton senior portfolio manager; and Shelley A. Shipe research coordinator and portfolio manager.

Sovran Bank/D.C. National promoted Christine Reighard to vice president in the commercial loan division, and Thomas A. Depont to commercial loan operations officer.

COMMUNICATIONS Patricia E. Simmons has joined Centel Corp.'s Washington office as general manager of government relations.

COMPUTER, HIGH TECHNOLOGY Advance Technology Inc. appointed Larry D. Campbell general manager of its newly formed Information Services division in Reston.

The ARC Group of Atlantic Research Corp. appointed Paul F. Lumbye Jr. vice president and general manager of the TEMPEST division.

American Management Systems Inc., based in Arlington, appointed Richard A. Reid vice president in the company's Denver office and John L. Shomenta vice president in the Arlington office.

Planning Research Corp., a subsidiary of the Emhart Corp., appointed Carl Kelly senior vice president of PRC Information Systems and general manager of the Systems Integration division.

HEALTH Genex Corp. of Gaithersburg named David R. Goodrich vice president and general manager of the Bioadhesives Division and Douglas F. Whelan vice president for finance and administration.

INDUSTRIAL, MANUFACTURING The "Automatic" Sprinkler Corp. of America division of Figgie International Inc. appointed Robert P. Burrows III president. Figgie's Rawling Sporting Goods division named James L. Devis president.

Mark V. Kaminski has been named industry marketing manager for distributor sales at Commonwealth Aluminum Corp. in Bethesda.

INSURANCE Anthony J. Hope has been named senior vice president of federal programs and policy coordination for Mutual of Omaha and its life insurance affiliate, United of Omaha, in the Washington office.

Dental Benefit Providers promoted Barbara Davy to vice president of operations and Jenny Warden to vice president of marketing.

NONPROFIT The Heritage Foundation named William Peterson senior fellow in labor economics.

Richard L. Bullock has been named executive vice president of national programs for the Council of Better Business Bureaus.

The Greater Washington Research Center has named Jessie MacKinnon director of membership and marketing.

PROFESSIONAL SERVICES Settles Associates Inc., an Arlington based architecture and space planning firm, named Marcia H. Horwitz and Bruce K. Deutsch vice presidents; Thomas E. Andrew senior architect; and Denise Cavin as senior space planner.

Clarence E. McKnight Jr. joined Booz-Allen & Hamilton Inc., as director of command, control and communications systems plans and programs.

ICF Inc. appointed Sandra M. Rennie to manage its new Toxic and Hazardous Waste Mediation Practice. Hazel Hoffman, William Klinefelter and Katherine Armstrong were appointed to the new practice. Patrice A. Lyons joined The law firm of Haley, Bader & Potts.

The Washington office of Davis, Graham & Stubbs appointed Carl W. Ulrich a resident partner and Michael J. Hirrel a counsel for the law firm.

Cadwalader, Wickersham & Taft named J. Roger Mentz and Linda E. Carlisle partners of the law firm.

Beard Warwick Cornell Associates appointed James H. Keen associate of the architectural and interior design firm.

Jessica Cogen joined the advertising and public relations firm of Mitchell & Associates as an account executive.

Michelle Teichgraeber joined the Washington office of Edelman Public Relations as a specialist in research and media relations.

REAL ESTATE NVR Financial Services, an operating group of NVRyan L.P., named Kevin J. O'Neil president of NVR Mortgage L.P., a mortgage company formed from the merger of NVMortgage and Ryan Financial Services Inc.

Coldwell Banker appointed Boyd Van Ness executive vice president and manager of the eastern division, which covers all commercial offices east of the Mississippi. Henry D. Allen has replaced Van Ness as senior vice president and regional manager of Coldwell's mid-Atlantic region.

Omni Construction Inc. promoted Richard N. Vaswani to vice president.

Mount Vernon Reatly appointed Kim T. Gordon vice president of marketing and Sherry Spurlock manager of the company's Chevy Chase office.

Begg Realtors named William A. Meyer vice president of Begg International Inc. He will manage Begg's office in McLean.

Edward R. Carr & Associates promoted Tom Davis to vice president of engineering.

Olin C. Lancaster III joined Spaulding & Slye's regional office as a commercial broker.

Larry Hogan & Associates named Dennis B. Miller director of operations.

Long & Foster Real Estate Inc. appointed Michael P. Norcio vice president/manager of commercial real estate services.

Centennial Development Corp. named David O. Hughs development manager; Steven Foote manager of tenant coordination; and Kelly Merriam leasing manager.

The National Housing Partnership elected Oliver T. Carr, Lloyd N. Cutler and David M. Childs to its board of directors.

McCormick Construction Co. Inc., part of the real estate subsidiary of McCormick Properties Inc., named Stephen V. Lackey estimator.

TRANSPORTATION The National Railroad Passenger Corp. (Amtrak) appointed Richard I. Klein treasurer; Neil D. Mann assistant vice president of personnel, and Joanna L. Moorhead senior director of the company.