The bank offers deposit services that include checking, savings, money market deposit, individual retirement, and KEOGH accounts.
It provides business loans, mortgage loans, and personal loans.
The bank offers commercial real estate loans for business purposes secured by land for residential and commercial development; agricultural purpose properties; service industry buildings, such as restaurants and motels; retail buildings; and general purpose business space.
It provides residential real estate construction loans to builders and individuals for single family dwellings.
The bank also provides variable rate residential mortgage loans and home equity lines of credit.
It offers various consumer loans, including indirect and direct auto loans, and other secured and unsecured lines of credit and term loans.
As of December 31, 2003, the bank operated 23 banking offices, 1 call center, and 34 automated teller machines in Maryland and West Virginia.
It also invests in U.
S. government and agencies, mortgage-backed securities, obligations of states and political subdivisions, and corporate and other debt securities.
In addition, the bank provides brokerage services through a networking arrangement with PrimeVest Financial Services, Inc., and safe deposit and night depository facilities.
The corporation, through its other subsidiaries, provides various insurance products and trust services that include personal trust, investment agency accounts, charitable trusts, retirement accounts, including estate administration and estate planning.
The corporation was incorporated in 1985 and is headquartered in Oakland, Maryland.
