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When I wrote my message to you in April, little did we know that the COVID-19 pandemic would still be raging. There is no longer any doubt that our lives will not be the same, and the way we conduct our personal and business lives has forever changed. Our primary goals remain, which are to keep our employees safe and healthy while at the same time serving our customers and communities. As the last locally headquartered community bank in NE Maryland, we take our obligation to serve you and our communities very seriously, and we have for over 60 years, since our founding.
- Terrie G. Spiro, President & CEO

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