Calhoun removed the dropped ceiling, restored the lobby's soaring 40-foot height and repaired the original coffers and skylight.

She also hired a ceiling painter to duplicate the pink clouds and baby blue skies commonly seen in the Pennsylvania countryside at sunset.

She kept the old double entrance doors but playfully gold-lettered "Calhoun Federal" on them, which confuses some people. Potential customers still knock on the doors to inquire about banking services.

"I always tell them, 'deposits only," said Calhoun.