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I am grateful for many things during this time of year: family, friends and health to name but a few. Adding to my list is the honor for me to be asked to serve as Cecil Bank’s President and CEO. As only the fifth executive to serve in this capacity for a 60-year old institution and for it to be the only independent institution serving northeast Maryland, this opportunity is a true privilege. My roots are in Maryland, having been born and raised in Baltimore. I have spent almost 40 years - my entire career - in banking and financial services.

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