The Story of

The Peoples Bank

Since 1910

Dr. H. Benge SimmonsOriginal Incorporator, President and Director 1910 - 1945

The History of The Peoples Bank

ThePeoplesBankofChestertown,MarylandwasestablishedbyanactoftheGeneralAssemblyofMarylandonApril13,1910.TheactwassignedbyAustinL.Crothers,GovernorofMaryland,andanativeofCecilCounty.TheoriginalincorporatorswereWilliamM.Slay,eminentattorney,State’sAttorney,andlaterSenatorforKentCounty;Dr.H.BengeSimmons,aprominentphysicianofChestertown;andL.BatesRussell,awell-knownbusinessmanandnewspaperpublisherofChestertown. ThecapitalstockofthenewBankconsistedof1,000shareswitha$25.00pershareparvalue.Subscriptionstotheentireamountofstockwerequicklyobtainedfrom123personsthroughoutthearea.Itwassignificantthatnoonepersonheldmorethan20sharesofstock.Theseoriginalsubscribersrepresentedageneralcross-sectionofmenandwomeninthearea.ManyofthefamiliesfromtheoriginalstockholdersarestillpresentamongthecurrentstockholdersoftheBank. ThefirstmeetingofthestockholderswasheldJuly18,1910.By-lawswereadoptedatameetingheldthefollowingweek.ThefirstmeetingswereheldinthelawofficeofWilliamM.Slay,Esq.onCourtStreet.Thefirstofficersofthebankwereasfollows: President – Dr.H.BengeSimmons Vice President–L.BatesRussell,Sr. Secretary – W.IrvingWalker Cashier – A.ParksRasin,Sr.

Beforeitevenopenedforbusiness,theBankhadmetitsfirstobstacle.InAugust1910,a“politicalwar”developedamongthetwelveincorporatorsandthedirectors.Asaresult,halfoftheoriginaldirectorsresignedandsoldtheirstockholdings.Theremainingdirectors,headedbyDr.SimmonsandMr.Russell,quicklyreplacedtheresigneddirectorsandarrangedforthepurchaseoftheirstock. Arrangementsweremadefortheleaseofbankingquartersandthepurchaseofbankingequipment.AleasewasenteredintoforoccupancyoftheEliasonStoreRoomat233HighStreet,Chestertown(currentlytheWhite Swan Tavern), atarentalof$30.00permonth.Bankinghouseequipmentconsistingofasafe,atimelock,andotherfixtureswasboughtatacostof$570.00.ThefirstaddingmachinewasboughtfromBurroughsin1910,thesamecompanythatsuppliedthetellermachinesfortheWashingtonAvenue,

Chestertown,Marylandofficenearly70yearslater. TheBankoccupieditsnewquartersandopenedbooks“for the conduct and transaction of a general banking business” onSeptember1,1910.Thedirectorsatthistimewere:Dr.H.BengeSimmons,I.R.Leaverton,JamesS.Bradley,Capt.DanielHill,WilliamT.Brown,JohnN.Bennett,Wm.G.Smyth,JohnC.Davis,HowardF.Owens,A.ParkRasin,Sr.,W.IrvingWalkerandL.BatesRussell,Sr.Thelastsurvivoroftheseoriginaldirectors,Mr.Wm.G.Smyth,continuedtoserveasdirectorfor52yearsuntilhisdeathin1962. Atthecloseofitsfirstdayofbusiness,thenewBankwasunexpectedlyaskedforastatementoffinancialcondition.Thatstatement,providedtotheStateBankingCommissioner,readasfollows:

RESOURCES ExpenseAccount $7.54 Bankinghousefurniture&fixtures 420.00 DuefromNational,State&Private

BankandBankers&TrustCompanies Otherthanreserve 1,330.00

First Location: Eliason Store Room, 233 High Street

Duefromapprovedreserveagents 8,107.33

U.S.Currency&NationalBanknotes$3,430.00 GoldCoin322.50 SilverCoin1,355.00 Nickelsandcents255.845,363.34 TOTALASSETS $15,228.21

LIABILITIES

Capitalstockpaidin $13,137.50 Deposit,subjecttocheck 1,978.21 Savings&Specials 112.50 TOTALLIABILITIES $15,228.21

OnSeptember7,1910,abookkeeperandgeneralofficeassistantwashiredatasalaryof$8.00perweek,itbeingunderstoodthathewasalsotoperformdutiesofjanitortemporarily.Advertisingwasobtainedintwolocalnewspapersatarateof$25.00perannum(therewassomequestionwhetherthethirdnewspaperwaswillingtoacceptthenewbank’sadvertising);telephoneservicewasarrangedat$24.00peryear,anda“typewriting machine” wasacquired. Thenextobstaclewasnotlongpresentingitself.TheBankhadbeenopenlessthanamonthwhen,onSeptember26,1910,afire,describedastheworstinthehistoryofChestertown,destroyedalargeportionofthe

L. Bates RusseLL, sR.Original Incorporator

Vice-President and Director1910 - 1941

businesssection,includingthepropertiesofBankdirectorsJamesC.BradleyandJohnC.Davis.AresolutionwaspublishedbytheBankpraisingtheChestertownVolunteerFireCompanyfortheirheroicworkin“making a final and successful stand at Moffett’s Meat Market store (now Boyer’s Jewelers) against further progress of the flames, which saved the greater portion of the town.” TherewasfurtherevidenceofearlyroughgoinginFebruary1911,whentheBankwaslessthansixmonthsold.A“slanderous attack” onthePeoplesBankbyacompetitorappearedinthecolumnsoftheKentNewsconcerningsavingsinterestrates.Thedirectorsorderedthatananswertotheattackbepreparedandpublished.This wasnearly100yearsago.TodayThePeoplesBankandotherbanksintheareanowenjoyhealthycompetitiverelationswithoneanother. NewbuildingswereconstructedinthebusinessdistrictofChestertowntoreplacethosedestroyedbythegreatfire,andtheBanknegotiatedaleaseinanewbuildingerectedbyWm.R.Mauleat317HighStreet(apartofwhatisnowtheAlexanderBuilding).TheBankmovedtoitsnewpremisesinAugust1911,whereit remainedfor23years.Inspiteofearlyadversities,theBankgrewandprospered.In1911 brancheswerealsoopenedatRockHallandBetterton. In1924PeoplesBankwasthefirstBankinKentCountytoofferChristmasClubsandcontinuestoofferthemtoday. InFebruary1933TheCitizensBankofChestertownrequestedthePeoplesBanktotakeoveritsassetsandliabilitiespursuanttoanagreement

Wm. G. smyth

Original Director1910 - 1962

enteredintobetweenthetwobanks.ThedirectorsofthePeoplesBank,ataspecialmeetingheldFebruary20,1933,agreedtosuchaction,andamongtheassetstakenoverwasthebankbuildingandequipmentoftheCitizensBankat243HighStreet,Chestertown. Thefamous“bank holiday” wasadefiningmomentinthehistoryoftheBank.In1933bankfailureswerebecomingnumerousandtheauthoritiesdecidedallbanksshouldcloseforatimetoexaminetheirfinancialcondition.ThePeoplesBankwasexaminedandfoundtobeinsoundfinancialcondition.Shortlyafterwards,theBankwaspermittedtoopenona100%basis.Manyotherbankswerenotsofortunate.ThebanksclosedonFebruary25,1933,andthePeoplesBankwasoneofbuttwobanksinKentCountythatwaspermittedtoopenona100%basisaccordingtoalistappearinginThe Baltimore Sun onMarch15,1933.TheBankisproudofitsrecordthatnodepositoreverlostapennyinitshistory;nordidadepositoreverhavetowaitfortheirmoneyorhavetoacceptstockinsteadofdepositsthatcouldnotbeimmediatelywithdrawn.Today,thisrecordiswellrememberedbymanyKentCountyresidents,andwasoneofthemostimportantfactorsinthegrowthandgoodreputationoftheBank. In1933thecapitalstockoftheBankincreasedfrom1,000sharesof$25.00parvalue,to2,000sharesofthesameparvalue,thusincreasingthecapitalfrom$25,000.00to$50,000.00.In1947,3,000sharesofpreferredstockof$25.00parvaluewereissuedtoretire$75,000.00ofReconstructionFinanceCorporation(R.F.C.)debenturesthattheBankhadissued.ItwasfeltitwouldbebettertopaythisinteresttolocalpersonsratherthantotheR.F.C. In1934ThePeoplesBankmovedto243HighStreet,whereitremaineduntilFebruary12,1964,whenitmovedintoitsnewbankbuildingatthecornerofSpringAvenueandHighStreet,Chestertown,Maryland.

R. hynson RoGeRs

Director, Vice-President,Attorney

1915 - 1969

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In1956aplanforcapitalrearrangementwasdecidedupon.Theplanincludeda150%stockdividendtopresentstockholders,theretirementofthepreferredstock,andthesaleof1,000sharesofnewstockat$25.00parvalue. In1962, withthenewbuildinginmind,thecommonstockwasincreasedto8,000sharesbythesaleof2,000newshares,andthecapitalstructureasofDecember31,1963,readasfollows:

Capital:8,000sharesofcommonstock withparvalueof$25.00pershare $200,000.00 Surplus 250,000.00 UndividedProfits 130,437.92 TOTALCAPITALACCOUNTS 580,437.92

In1962,withthestockholders’approval,anewbuildingprogrambegan.ThefirststepwasthepurchaseofthelotatthecornerofSpringAvenueandHighStreet,Chestertown,atacostof$59,090.00.WilliamH.Elliot,Architect,ofChestertown,drewplansforthenewbuilding.ThebuildingplanswereapprovedandtheBankadvertisedforbids.TheapprovedcontractorswereHarryJ.Tuckerwhowasawardedthegeneralconstructioncontractforthesumof$90,692.00andHerbertF.Wardwhoreceivedtheplumbing,heating,electricalandairconditioningcontractforthesumof$20,640.00.Totalcostofthenewbankingheadquartersincludinglot,buildingandcontentsexceeded$200,000.00.Thestockholders,directors,andmanagementofthePeoplesBankfeltthatprogresswasjustasimportantinthebankingbusinessasinotherbusinesses,andthattocontinuetogivecustomerstheservicetheydeserved,theBankhadtomoveaheadandofferthebestinserviceinacomfortablesurrounding. In1973theBankmadeitsfirstmoveintocomputerizingaccounts.OvertheyearstheBankhas addedsavings,installmentloans,certificatesofdeposit,andmortgagestoitsinitialcomputerizationofcheckingaccounts.TheBank nowoffersacomprehensivestatementthatpresentsafullfinancialmanagementsummaryforits customers’accounts.TheadditionofMoneyMarketDepositaccounts,DiscountBrokerageServicesaswellasmanyotherinnovationsbroughtonbyderegulationhaveenhanceditsgrowinglistofservices. OnJanuary22,1975theBankchangeditsnametothePeoplesBankofKentCounty,Maryland.EvenwiththenamechangetheBankhascontinuedtomaintainits localindependence. Sixty-eightyearsafteritslastbranchopening,theWashingtonAvenue,ChestertownofficeopenedinApril1979.In1983,thePeoplesBankbecamethefirstBanktoofferaDiscountBrokerageserviceintheState.TheBoardamendeditsCharterinJanuary1985toallowbranchestobeestablished

beyondtheconfinesofKentCounty,Maryland.TheBankextendeditsmarkettothenorthernendofKentCountyandCecilCountywiththeopeningoftheGalenabranchinJuly1987. In1990theBankhadthefirstdrive-thruATMinKentCounty.Todaythe PeoplesBankhasATMserviceatallofitslocationsaswellasChesterRiverHospitalCenter. In1996theBoardofDirectors,withtheapprovalofthestockholders, formedPEOPLESBANCORP,INC.ofwhichPeoplesBankofKentCounty,Marylandbecameawhollyownedsubsidiary.OnJuly1,2006thissubsidiarybecameThePeoplesBank. Theyear1997sawtheadditionofTOUCHTONEBANKING,whichallowscustomerstoinquireabouttheiraccounts,transfermoneybetweenaccounts,orgaininformationaboutinterestrates.Inaddition,theBankcontractedwithINVESTFINANCIALCORPORATION,thenation’soldestthirdpartymarketerofbankfinancialproducts,toprovideinvestmentserviceswhichincludemutualfunds,stocksandbonds,annuities,andfinancialplanning.Also,in1997thePEOPLESBANKVISADEBITCARD,whichallowscustomersthefreedomtoaccesstheircheckingaccountanywhereVISAisaccepted,wasadded. TheBankhasseenamajorexpansioninthepastfewyears.TheMillingtonofficeopenedinAugust1998,whileamajorrenovationprojecttotheMainOfficeonSpringAvenueinChestertownwascompletedinMay1999,doublingthesizeofthecurrentstructure.Withtheexpansion,the

Alex P. RAsin, iiiChairman

ThomAs G. sTevenson

President / CEO / CFOelizAbeTh A. sTRonG

Secretary to the Board

PeoplesBank,isabletoofferfriendlycommunitybankingthroughouttheKent,QueenAnne’s,andCecilcountyarea.InAugust,2007theopeningoftheChurchHillofficeallowedtheBanktoentertheQueenAnne’scountymarket.TheSudlersvilleofficewasopenedonDecember23, 2008.

Inlate2009,ThePeoplesBankconvertedtoanewcomputeroperationssystemthatwillallowtheBanktobringmoreefficiency,productivityandnewservicestoourcustomerbase. ThePeoplesBankhandled themajorportionofG.I.mortgageapplicationsfromtheKentCountyveteransofWorldWarII.ThiswasdueingreatparttoBankPresident,CharlesF.Wheatley,anexpertinprocessingsuchapplications.Asignificant portionofthemortgageapplicationsintheareacontinuetobeprocessedbythe Banktoday. ThelastfewyearshavefoundtheBanktobetheoverallleaderindepositsinKentCounty. Allofthishistoryhasculminatedintotoday’sexcellent,sound,independentbank.TheBank’shistoryofconsistentandsteadygrowthhasbeenaccomplishedwithoutbenefitofmergers.TheBankstillproudlymaintainsitsindependence.TheBankwantstocontinuetogrowandprogresswiththecommunity.TheBankexpectstohavethepleasureofaccomplishingthiswiththecontinueddedicationofitsemployeesandcontinuedfriendship,confidenceandgoodwillofpresentcustomers.TheBanklooks forwardto

ChARles F. WheATley

Cashier, President, Director1917 - 1956

A. PARks RAsin, JR.President

1957 - 1975

servingmanynewcustomers.ThePeoplesBankhashadonlyfivepresidentsinitshistory.Dr.H.

BengeSimmons,thefirstpresident,servedfrom1910untilhisdeathin1945.CharlesF.Wheatleyservedfrom1946untilhisdeathin1956,andA.ParksRasin,Jr.,servedfromJanuary1957to1975.AfterthedeathofPresidentRasin,E.RoyOwensassumedthepresidencyinSeptember1975.UndertheleadershipofChairmanandPresidentOwens,PeoplesBankofKentCounty,Marylandcontinuedtogrow.ThomasG.StevensonbecamePresidentonMay24,2000andCEOonMay29,2002.Mr.OwensretiredfromdaytodaybankingonJanuary1,2003andasChairmanonDecember31,2004. L.BatesRussell,Sr.,wasthefirstvice-president,servingfrom1910until1942.Othervice-presidentsinclude:R.HynsonRogers,DonT.Falls,Sr.,Wm.B.Dukes,RichardThompson,andRobertD.Collyer.WilliamG.Wheatley,ThomasA.TuckerandH.LawrenceLyonsarecurrentExecutiveVicePresidents.Mostrecently,TerriGarveyandMarion“Chip”Everettarethebank’sSeniorVicePresidents. CashiershaveincludedA.ParksRasin,Sr.,firstcashierwhoservedfrom1910to1915;HarryC.Colemanwhowaswiththebankfrom1913until1918;CharlesF.Wheatley,Sr.,whostartedwiththebankin1917;DonT.Falls,Sr.whostartedwiththebankin1918.HarryMorris,L.CoreyJones,Phillip“Monty” Trimble,ArthurE.KendallandH.LawrenceLyonshaveallservedasCashier. ThebankhadanumberofChairmenovertheyears.Inthepast,R.HynsonRogers,AlexanderParksRasin,Jr.,EarlH.Pinder,CharlesF.Wheatley,Jr.,R.WilliamMorin,E.RoyOwens,ElmerE.Horsey,RobertA.MooreandAlexanderP.Rasin,IIIhaveservedasChairmen. Today,thefollowingpeopleserveontheBoard:E.JeanAnthony,RobertW.Clark,Jr.,LaMonteE.Cooke,GaryB.Fellows,HermanE.Hill,Jr.,PatriciaJoanOzman Horsey,P.PatrickMcClary,AlexanderP.Rasin,III,StefanR.Skipp,ThomasG.Stevenson,ElizabethA.StrongandWilliamG.Wheatley. OnJanuary1,2007,ThePeoplesBancorpacquiredFleetwood,Athey,Macbeth &McCown,Inc.(FAM&M,Inc.),alocalinsuranceagency.UndertheleadershipofitsPresident,ScottBramble,ithasmaintainedthelocalpresenceanddedicationtoservicethatpeoplehavecometoexpect. In2009,theBank’scapitalstockconsistedof779,512shareswithabookvalueof$37.06ashare.Asofthe2009AnnualReportforthePeoplesBank,thePeoplesBancorpanditswhollyownedsubsidiaryThePeoplesBank,hasgrownto$255,467,425.01inassets.TheBank’sstockhassplitseveraltimesaswellaspayingcontinuousdividendpaymentsovertheyears.Theyear2009endedwiththeBankdeclaringanannualdividendof$1.79

pershare.TheBankhas 630stockholders.ThevastmajorityofstockholdersliveintheKent-QueenAnne’sareaorhaverootsinthelocalarea.TheBanklooksforwardtoevengreatergrowthandprofitabilityintheyearsaheadasitexpandstoothersectionsoftheKent,QueenAnne’sandCecilCountyareas.TheBank’scapitalstructureasofDecember31,2009was28,889,747.91.

PeoplesBankemployeesarededicatedtoservingthecommunitynotonlyintheirofficesthroughoutthecounty,butalsobytheirparticipationinmanycommunityorganizationsandevents.Theyareproudoftheirrecordofofferingefficient,friendly,andcomprehensivefinancialproductstoallresidentswithintheBank’sserviceareaandaregratefulforthecommunity’ssupport.ThePeoplesBankbelievesits futurerestsinthehandsofallofcurrentandfuturecustomers,andtheBankwilldoallitpossiblycantomakeitscustomerssuccessfulinalloftheirfinancialendeavors.

The Tradition Lives On

ThePeoplesBankisproudofthetraditionofhavingthreegenerationsoflocalfamiliesinvolvedinthedevelopmentofthebankoverthese100years.BeginningwithA.ParksRasin,Sr.in1910,theBankhasseentheRasin,WheatleyandRogers-SkippfamiliesplayanintegralpartintheBank’sformationandstatureinthecommunity.Servingfrom1910untiltodayhavebeenA.ParksRasin,Sr.,A.ParksRasin,Jr.,President1957-1975andAlexP.Rasin,III,beginningin1975andservingasChairmanoftheBoardfrom2007topresent.FromR.HynsonRogers,whoservedasChairman,Director,VicePresidentandAttorneybetween1915-1969,tohisson-in-law,PhilipJ.Skippbetween1952-1979,toPhilip’sson,StefanRogersSkipp,servingasaBoardmemberfrom1979tothepresent,thisfamilyhasprovidedlegalcounselthroughtheyears.Beginningin1917,CharlesF.WheatleyservedasCashier,PresidentandDirectoruntil1956,followedbyCharlesF.WheatleyJr.,servingasChairmanoftheBoardfrom1984-1987,HowardW.Wheatley,Directorfrom1987-1995,andthepresentExecutiveVicePresidentandDirector,WilliamG.Wheatley,whobeganhisservicetotheBankin1980andwaselectedtotheBoardofDirectorsin1995.TheWheatleyfamily,ashavetheRasinandRogers-Skippfamilies,haveprovidedguidanceandstabilitytothebankingcommunityinourlocalareaforahundredyears.ThePeoplesBankishonoredbytheircommitmenttothepeopleoftheUpperEasternShoreofMarylandtoofferawiderangeofbankingservicesthroughtheDepressionandbeyondintothe21stCentury.

Stefan R. Skipp, Alexander P. Rasin III, and William G. Wheatley

Peoples Bancorp, Inc.and Subsidiary

Board of Directors

E. Jean AnthonyChestertown, Maryland

Robert W. Clark, Jr.Betterton, Maryland

LaMonte E. CookeChestertown, Maryland

Gary B. FellowsMillington, Maryland

Herman E. Hill, Jr.Rock Hall, Maryland

Patricia Joan O. HorseyChestertown, Maryland

P. Patrick McClaryChestertown, Maryland

Alexander P. Rasin, IIIChestertown, Maryland

Stefan R. SkippArnold, Maryland

Thomas G. StevensonChestertown, Maryland

Elizabeth A. StrongChestertown, Maryland

William G. WheatleyWorton, Maryland

Past Directors

John H. BennettJames S. BradleyP.M. Brooks, Jr.William T. BrownRobert CollyerJohn C. DavisOlin S. Davis, Jr.Joseph DowneyWilliam B. DukesDon T. Falls, Sr.C. Lee GillA. Ford Hall, Sr.Percy M. HepbronCapt. Daniel HillRobert R. HillElmer E. Horsey

Harry S. JewellArthur E. KendallW. Vernon KirbyCharles V. B. LamotteI. R. LeavertonJ. Robert LewisEdgar I. LusbyRobert A. MooreR. William MorinHarry H. MorrisE. Roy OwensHoward F. OwensEarl H. PinderA. Parks Rasin, Sr.A. Parks Rasin, Jr.W. R. Rodney

Thomas C. RoeR. Hynson RogersL. Bates Russell, Sr.L. Bates Russell, Jr.J. Robert ScoonPhilip J. SkippWilliam M. SlayWilliam G. SmythF. Burgess TuckerBartus VickersW. Irving WalkerCharles F. WheatleyCharles F. Wheatley, Jr.W. Howard Wheatley

Officers

Alexander P. Rasin, IIIChairman

Thomas G. StevensonPresident & CEO & CFO

H. Lawrence LyonsExecutive Vice President &Chief Operating Officer & Cashier

Thomas A. TuckerExecutive Vice President

William G. WheatleyExecutive Vice President

Marion P. “Chip” Everett, Jr.Senior Vice President

Terri L. GarveySenior Vice President

S. Henrietta MaloneyVice President

M. Kay McHenryVice President

Ina P. ReedVice President & Comptroller

Cecil A. UnruhVice President

Stephanie L. UsiltonVice President

L. Susan BarnhardtAssistant Vice President

Debra A. ConnerAssistant Vice President

Harriet P. CreightonAssistant Vice President

Larry K. CrouchAssistant Vice President

Tammy L. DlugoborskiAssistant Vice President

Sheila M. DwyerAssistant Vice President

Eva W. HickmanAssistant Vice President

Heidi I. ManningAssistant President

Carolyn L. WallsAssistant Vice President

Katie E. DiSanoAssistant Cashier

Donna H. EdwardsAssistant Cashier

Grace M. EylerAssistant Cashier & Staff Auditor

Sandra J. JoinerAssistant Cashier

Mary Ann LandaAssistant Cashier

Jennifer J. TeatAssistant Cashier

Jo Ann T. WagnerAssistant Cashier

Elizabeth A. StrongSecretary to the Board

Other Personnel

Bonnie L. AllenKaren A. BurrisAmanda C. ClarkBrandi C. ClarkBritney M. ColeJason R. ConnerMaurica L. CookLacey T. CoxRegina K. CritesDenise F. CrossleyAshley M. DareSarah A. DarrahAmber E. EnglebachLinda S. FryRoni Lynn GlennSandra M. Godfrey

Anjanette S. GravesElizabeth M. GreenNancy L. GreenwoodAmy L. GuercioAnita T. HayesPatricia A. HeinefieldSamantha HobsonErika D. JensenCrystal L. LandonDeborah M. LangenfelderLori A. LarrimoreBrittany A. LondereeTina P. LusbyNora F. McDairmantS. Amanda MillerShirley M. Nicholson

Mary Chandler ObrechtTracy A. PiaseckiBarbara J. RichardsonKadeem R. RochesterSheila C. ScannellDonna J. SchraderDawn I. SmithGrace F. SmithKathryn Macey SmithSharon L. SuttonCarol G. TaylorClara B. TaylorNoralene H. ThomasDeanna P. UsiltonShirley E. WarrenLori A. Welch

Mystery Picture Photo from the Kent County News. The year was 1972 and Mr. Harry Morris was celebrating his 75th birthday at the Peoples Bank, Chestertown.Supplied by Kay McHenry

Kent County News Ad1953

Give Away Items

Several items supplied by Kay Pinder

ChesTeRToWn bRAnCh

Washington AvenueApril 1979

RoCk hAll bRAnCh

Rock Hall AvenueMay 1970

GAlenA bRAnCh

Main StreetJuly 1987

millinGTon bRAnCh

River RoadAugust 1998

ChuRCh hill bRAnCh

sudleRsville RoAd

AuGusT 2007

sudleRsville bRAnCh

eAsT mAin sTReeT

deCembeR 2008

“PEOPLES”

SERVING

PEOPLE

SINCE 1910

MEMBER F.D.I.C.