Stephen K. Heine has joined Woodsboro Bank as president and CEO, effective immediately. He succeeds C. Richard Miller, Jr., who retired late last year. Heine has 35 years of banking experience, most recently as a group vice president for M&T Bank, where he was responsible for 96 branches in central and western Maryland, Washington and Virginia.

Prior to M&T, he held various management positions that included executive vice-president of Farmers and Mechanics Bank in Frederick and executive vice president of consumer and business banking at Provident Bank in Baltimore.