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Give us a Call

Local 304-725-8431

Toll Free 800-296-8431

Lost Debit Card 866-546-8273

Because we are a locally owned community bank, our commercial loan approvals are made in-house. 

This means you’ll enjoy quick decisions from our professional and responsive commercial banking staff. A full range of commercial loans at competitive rates are available, including:

  • Construction lines of credit
  • Land acquisition and development loans
  • Vehicle and equipment loans
  • Working capital lines of credit
  • Letters of credit
  • Commercial real estate loans


Let's Begin! 

Bring your completed Commercial Loan Application and your Personal Financial Statement, along with the last three (3) years of personal and business tax returns to one of our branches to get started on a commercial loan request today! 


Financial Calculators

Our calculators can help determine your monthly payments on commercial loans, as well as goals to help you stay on budget. Visit our Calculator Page.




For More Information 

Visit one of our branches , contact one of our Loan Officers, or complete our online contact form today.


Eastern Panhandle of WV

Josh Householder | NMLS #1203143
304-728-2432 | E-mail

Aaron Howell | NMLS #1203142 
304-728-2482 | E-mail


Hagerstown, MD

Steve Michael | NMLS #1203144
301-739-4228 | E-mail

Jonathan Agee | NMLS #1203141
301-739-4228 | E-mail


Middleburg, VA

Arch A. Moore III | NMLS #1097555
304-728-2497 | E-mail

Grant Wetmore | NMLS #1097556
540-687-5304 | E-mail