About Usarrow


Implementing the plans of the Board of Directors are sound and experienced senior managers. Each manager has extensive banking experience in our local markets. In addition, these individuals are well recognized in the local banking community and have longstanding relationships with many of the financial institutions in our market. Knowing customer needs and how to satisfy those needs is the key to creating a mutually-beneficial relationship.


In addition, the heart of any organization is its staff and here at Maryland Financial Bank we take pride in the abilities and dedication of our staff. Just ask any of our customers. These individuals are the ones with the day to day contact with our customers and who keep the Bank operationally sound. Most have been with the Bank for several years; some have been with the Bank from the very beginning. Each staff member is dedicated to serving the needs of our customers and to the success of the Bank.

Rachel N. Barnhouser

Operations Manager

ph: 410-296-8302


Robert R. Chafey

President, Chief Executive Officer
ph: 410-296-8306


Roderick A. Lancaster

Credit Analyst
ph: 410-296-3831


Richard E. Hook, IV

Chairman Of The Board
ph: 410-296-1533


Glenn W. Kirchner

Senior Vice President, Chief Financial Officer

ph: 410-296-5933


Heather J. Kosmicky

Operations Assistant

ph: 410-296-8644


Jennifer A. Kopajtic

Human Resources Manager
ph: 410-296-8511


Joyce K. Miller

Compliance Officer and IT Manager
ph: 410-296-8301


Mick Stachura

Senior Vice President, Chief Credit Officer
ph: 410-296-8514


Phyllis L. Testerman

Accounting Manager
ph: 410-296-8647

Francis C. Broccolino

SVP, Chief Lending Officer
ph: 410-296-8645

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