Potomac Bancshares, Inc. operates as the bank holding company for Bank of Charles Town, that provides various banking products and services to individuals, businesses, and local governments in the United States. The company offers checking, savings, money market, and individual retirement accounts; and certificates of deposit (CD). It also provides mortgage, term, residential construction, government contractor, financial, agricultural, and consumer loans; small business administration and residential lending; personal loans, including new and used vehicle, home equity, CD secured, lot, unsecured personal, retail equipment, and unsecured home improvement loans, as well as home equity line of credit; commercial loans for building or office purchases, commercial real estate and construction, and production and administrative equipment purchases; lines of credit; and credit and debit cards. In addition, the company offers financial education; mobile check deposit and card pay; cash management; autobooks; merchant and lockbox services, including debit and credit card payments and online payment processing; wealth management services, comprising financial and generational planning, and portfolio management; trust and estate services, consisting of estate settlement, and trustee for living trusts, trusts under will, and charitable trusts; and telephone, mobile, and online banking services. Further, it provides investment management and products; full-service brokerage; retirement and insurance planning and products; asset allocation and management; and college and estate planning services. The company serves customers in the Jefferson, Berkeley and Morgan Counties of West Virginia; Clarke, Frederick, and Loudoun Counties of Virginia; and Washington and Frederick Counties of Maryland. Potomac Bancshares, Inc. was founded in 1871 and is headquartered in Charles Town, West Virginia.