Community Heritage Financial

Community Heritage Financial, Inc. is a holding company, which engages in the provision of commercial and retail banking services to businesses and consumers in Frederick and Washington counties. The company is headquartered in Middletown, Maryland. The firm primarily operates two business segments: commercial banking, and mortgage banking. The firm is the parent company for its wholly owned subsidiaries Middletown Valley Bank and Millennium Financial Group, Inc (Mlend). Middletown Valley Bank is a full-service commercial and retail bank with locations in the Maryland counties of Frederick, Garrett, and Washington, and in Franklin County, Pennsylvania. Mlend is a full-service mortgage lender headquartered in Middletown, Maryland with locations in Crofton and Oakland, Maryland.