Executive Team

David P. Mansfield has served as the President and Chief Executive Officer of Provident Bancorp, Inc. and Chief Executive Officer of Royal Citizen Bank since May 2013, having joined Royal Citizen Bank as Chief Financial Officer in 2001. Mr. Mansfield previously worked as a bank examiner for both the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporate, and is a Certified Financial Analyst. Mr. Mansfield’s positions as President and Chief Executive Officer foster clear accountability, effective decision-making, a clear and direct channel of communication from senior management to the full board of directors, and alignment on corporate strategy.

David P. Mansfield

Chief Executive Officer

Charles F. Withee is Royal Citizen Bank’s President and Chief Lending Officer, positions he has held since May 2013. Mr. Withee is also a director of Royal Citizen Bank. Mr. Withee joined Royal Citizen Bank as Senior Lender in 2004, and had nearly 30 years of commercial banking experience in Massachusetts and New Hampshire.  

Charles F. Withee


Carol L. Houle is Executive Vice President and Chief Financial Officer of Provident Bancorp, Inc. and Royal Citizen Bank. Ms. Houle is a Certified Public Accountant, and joined Royal Citizen Bank in September 2013. Previously, Ms. Houle was a partner at the accounting firm of Shatswell, MacLeod & Company, P.C., where she worked for 17 years.

Carol L. Houle, CPA
Executive Vice President 

Chief Financial Officer

Anne Lapointe is Senior Vice President and oversees the Business Development, Retail, Marketing and Human Resources departments of Royal Citizen Bank. She joined the Bank in 2005 as the Branch Manager in Portsmouth, NH. Anne’s strong retail background as a Trainer and District Manager makes her a strong coach for her Team. An active member of the community, Anne also sits on the Board ofthe New Hampshire Film Festival. 

Anne Lapointe
Senior Vice President 

Retail Banking
Business Development, HR and Marketing