Ms. Frey is a graduate of Western Carolina University, where she received a B.S. in Business Administration with a concentration in marketing.  Prior to joining The Pines she worked in advertising and marketing in Charlotte, until she moved to Davidson in 1994.  Ms. Frey first came to The Pines as an employee of First Charter Bank, managing the branch located on site for six years.  She continued her banking career becoming the Assistant Branch Manager and Bank Officer for Aquesta Bank in Davidson.  She returned to The Pines in December 2011.  She is a member of Davidson United Methodist Church and volunteers with Hospice and Palliative Care of Lake Norman.