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National Cooperative Bank FSB, a subsidiary of National Cooperative Bank, offers commercial and personal banking services to NCB's customers nationwide. The company utilizes its deposit base to fund loan products, resulting in more competitive pricing for customers. Its primary focus is on mortgage banking services, merchant services, cash management and a wide variety of consumer products and services. Acquired by NCB in 1988, National Cooperative Bank FSB has offices in Washington, D.C., New York and Hillsboro, Ohio. Other NCB subsidiaries include NCB Development Corporation, the Cooperative Housing Coalition, Eos Financial Group and NCB Capital.

Middletown Valley Bank, formed in 1908, is a community bank that serves residents and businesses in Maryland. The bank s product offerings include savings accounts, individual retirement accounts, money market accounts, certificates of deposit, and regular and negotiable order of withdrawal checking accounts. It also offers several loan products, such as residential and commercial mortgages, agricultural, construction and business loans. In addition, Middletown Valley Bank provides telephone and Internet banking, as well as a network of automated teller machines. The bank has branch offices in Jefferson and Myersville. Middletown Valley Bank employs more than 50 people and is headquartered in Middletown, Md.