The group's principal activities are to provide commercial banking services. The commercial banking services are provided to corporations, partnerships, small and medium-sized businesses and sole proprietorships as well as to non-profit organizations and associations and investors living or working in frederick county. The commercial loan portfolio consists of term loans, lines of credit and owner occupied commercial real estate loans provided to primarily locally based borrowers. Traditional installment loans and personal lines of credit are available on a selective basis. The service area of the group is frederick county, Maryland.