Discover the true advantages of independent community banking. Complete line of consumer and commercial financial products, superb personal customer service, seven locations throughout Frederick County (five in Frederick), Internet and telephone banking. If you value a banking relationship, come see us. More than a century of service. Lobby Hours: Mon-Thur 9am-2pm; Fri 9am-7pm; Sat 9am-12pm. Drive-In Hours: Mon-Fri 8:30am-7pm; Sat 9am-2pm. Downtown office open Mon-Fri 8:30am-5pm.