NATURE OF BUSINESS

9 Months Ended

Sep. 30, 2011

NATURE OF BUSINESS

2.  NATURE OF BUSINESS

The Company provides a variety of financial services to individuals and businesses through its offices in Southern Maryland. Its primary deposit products are demand, savings and time deposits, and its primary lending products are commercial and residential mort­gage loans, commercial loans, construction and land development loans, home equity and second mortgages and commercial equipment loans.