At Cecil Bank, we are quickly becoming the premier community bank in the County by creating and delivering quality banking products and services to you at exceptional values. We are creating a stimulating and challenging work environment for our employees that encourages, develops and rewards excellence; we are serving our local communities with integrity and pride; we are a responsible corporate citizen in the communities we serve; and we are achieving consistently superior financial performance for our stockholders. Cecil Bank will continue to grow and attain even greater market share in our existing markets. We'll meet this challenge by insuring that our employees are well trained to deliver state-of-the-art products and superior service to you. Cecil Bank is known for its leadership in the industry by delivering new banking systems and technologies to customers. Right now, we offer such services as: 24-Hour Telephone Banking, and On-line Internet Banking, from your home or office, as well many other competitive products and services. We intend to remain independent. We will focus on increasing stockholder value. And we will continue to provide personal services while emphasizing the importance of personal involvment of our employees in local communities. Cecil Bank will continue to meet your needs and the needs of our community.