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Carrollton Bancorp can baby-sit your money from Babe Ruth's hometown. The institution is the holding company for Carrollton Bank, a commercial bank serving Baltimore and surrounding areas from about a dozen branches. It offers standard retail services such as checking and savings accounts, money market accounts, and IRAs. Commercial real estate and residential mortgages account for about 45% and 20%, respectively, of the bank's loan portfolio. Bank subsidiary Carrollton Financial Services sells stocks, bonds, mutual funds, and annuities; Carrollton Mortgage Services originates and sells residential mortgages.

Charter Financial is the savings and loan holding company for CharterBank, which operates more than a dozen branches and loan production offices in western Georgia and eastern Alabama. Deposit products include consumer and commercial checking accounts, savings and money market accounts, and CDs. The bank is focused on real estate lending, with residential and commercial mortgages each accounting for more than a third of its loan portfolio. It also makes consumer, business, construction, and land development loans. The bank gives cash awards to high school customers for making straight A's. Mutual holding company First Charter MHC owns more than 80% of Charter Financial.

Citizens Bancshares is the holding company for Citizens Trust Bank, which serves the Atlanta and Columbus, Georgia and Birmingham and Eutaw, Alabama communities from about 10 branch offices. The bank provides standard services such as checking and savings accounts, CDs, IRAs, credit cards, financial planning, and investments. Its lending portfolio mainly consists of loans secured by one- to four-family residences, multifamily dwellings, or commercial or industrial real estate. Former chairman and Atlanta-area entrepreneur and philanthropist Herman J. Russell owns about 30% of Citizens Bancshares' stock.

Coastal Banking Company is the holding company owns Lowcountry National Bank, which operates two branches in southern South Carolina and First National Bank of Nassau County which operates about five branches in northeastern Florida and in Georgia under The Georgia Bank name. The banks offer standard products and services, including loans, checking and savings accounts, NOW accounts, and CDs.

CommerceFirst Bancorp is the holding company for CommerceFirst Bank, which opened in 2000 and now has five branches in central Maryland. Catering to small to midsized businesses and professional clients, it offers deposit products including checking and savings accounts, NOW and money market accounts, and certificates of deposit. The bank mainly uses funds from deposits to write business loans (including Small Business Administration loans) and mortgages. Executive officers and board members of CommerceFirst Bancorp collectively own more than 20% of the company.

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