19 South Main St.

About 1906, the Farmers Banking and Trust Company of Baltimore had F.E.Kretzer build this bank at a cost of $5,700 and operated a banking business there but without success. On January 27, 1908, the newly organized Citizens Bank bought the building from the Baltimore firm for $3,000 and began business. In 1985 Citizens Bank merged with the Washington County National Bank. It was during these years that Citizens Bank grew from 2 employees to 13 employees, and a branch office was set up in Boonsboro. The bank was closed in 1998 because of mergers with Keystone Financial Company The building was beautifully restored to be used for a period of time as Textile Preservation Associates, Inc. Today it serves as the Town Hall.