Robert L. Carpenter

DCB Bancshares, Inc. engages in the provision of loan, deposit, and related financial services through service banking offices. Its services include providing loans, business solutions, e-checking and Internet banking. The company was founded on July 1, 1988 and is headquartered in Damascus, MD.

Howard Bancorp, Inc. is a holding company, which engaged in the provision of community banking services through its subsidiary, Howard Bank. It offers commercial banking, insurance, investments, mortgage banking, consumer finance, and real estate loans through banking branches, online, and other distribution channels to businesses, business owners, professionals, and other consumers. The company was founded by Mary Ann Scully in April 2005 and was headquartered in Baltimore, MD.

Howard Bank, headquartered in Ellicott City, MD, is a growth-focused community bank serving businesses, professionals and individuals in the Greater Baltimore area through seven full service branches and regional offices in Annapolis and Towson, MD, and mortgage operations throughout the Central Maryland area.

WSI International, Inc. provides curriculum materials, training and on-going technical assistance. It is a source for English instruction for individuals and corporate clients. The firm also provides a virtual community where students can practice their English language skills through playing entertaining games, completing activities and chatting and sharing their experiences with other students. The company was founded in 1972 and is headquartered in Baltimore, MD.

Bay Bancorp, Inc. operates as a holding company. It provides commercial and consumer banking products and services to individuals, businesses, professionals and governments through its subsidiary, Carrollton Bank. Its offer commercial loans for businesses, commercial and residential real estate loans, consumer loans and loans guaranteed by the United States Small Business Administration. It's also provides a wide range of financial services for personal and business banking customers, including a variety of checking accounts, competitive rates on certificates of deposit and savings accounts, commercial lending, free nationwide automated teller machine with the MoneyPass symbol, mortgages, investment services and 24-hour internet and telephone banking. The company was founded on January 11, 1990 and is headquartered in Lutherville, MD.

Maryland Financial Bank offers financial management, lending, and consulting services. The company was founded in October 2004 and is headquartered in Towson, MD.

Damascus Community Bank provides commercial banking services. Damascus Community Bank is based in Damascus.