Shore United Bank Welcomes Heather L. Bacher, Market Manager

Shore United Bank, a member of Shore Bancshares community of companies, is pleased to announce that Heather Bacher has joined the company as a Market Manager of our Queen Anne’s and Kent County branches.

Heather will be responsible for promoting and growing business while leading her team of commercial bankers and working with the branches within the northern region. Her office will be located at our Commerce Street branch in Centreville, Maryland.

Ms. Bacher is a graduate of Salisbury University earning a bachelor’s degree in communications.

Prior to joining Shore United Bank, Ms. Bacher spent the past twenty years working in both retail and commercial banking.

“We are very excited that Heather has joined our team. Her experience in banking will help us deliver products and services to the communities we serve”, says Michael Cavey, Senior Lending Officer of Shore United Bank.

“I am looking forward to serving our customers and being able to work in the same community where I live. Ensuring the success of our branches through a team of professionals will assist us in growing our local economy while meeting our customers financial needs,” says Ms. Bacher.

Heather is the Treasurer of United Way of Queen Anne’s County, a Board Member of Chesapeake College Foundation Board, a Board Member of the Chesapeake Women’s Network QAC and a Committee Member of the Bosom Buddies Ball.

Ms. Bacher resides in Stevensville, Maryland with her son, Ryan.

Shore Bancshares Employees Raise Money to Fight Childhood Cancer

More than 200 Shore Bancshares employees recently participated in the Benefits That Benefit Children campaign to help raise $2,500 for St. Jude Children’s Research Hospital®, which is leading the way the world understands, treats and defeats childhood cancer and other life-threatening diseases.

Benefits That Benefit Children is a cause marketing campaign that helps increase awareness of major issues that affect children’s health by generating donations when participating employers offer certain Chubb insurance benefits and their employees receive voluntary benefit information. (No purchase is necessary for Combined Insurance/Chubb to make a donation.) As a result of the various employees who received voluntary benefit information, Combined Insurance, a Chubb company, made the $2,500 donation to honor their participation. Combined Insurance is a leading provider of individual supplemental accident, disability, health, and life insurance products.

“I am proud of our employees who participated in the program, which advances important cancer research and treatment and saves lives,” said Lloyd L. “Scott” Beatty, Jr., President and Chief Executive Officer of Shore Bancshares, Inc. “St. Jude research is crucial to unlocking treatment and cures and I want to thank our team for attending the Benefits That Benefit Children meetings supporting this effort. We encourage other businesses in the community to join us in this important campaign we refer to as BTBC.”

Founded by entertainer Danny Thomas, St. Jude opened in 1962 and has spent more than half a century finding cures and saving children. Its groundbreaking research has helped push the survival rate for childhood cancer from less than 20 percent when the hospital opened in 1962 to more than 80 percent today.

Thanks to generous supporters, families never receive a bill for treatment, travel, housing or food – because all a family should worry about is helping their child live. Because the majority of St. Jude funding comes from individual contributors, St. Jude has the freedom to focus on what matters most – saving kids regardless of their financial situation.

“We are thrilled to partner with Shore Bancshares and provide a donation that touches the lives of children across the country, including Maryland, and throughout the world,” said Chris Martin, President of Chubb Workplace Benefits and Chief Operating Officer of Combined Insurance. “The Benefits That Benefit Children program enables us to help lead the fight against childhood cancer and other diseases while meeting with wonderful employees like those at Shore Bancshares.”

If you are interested in Benefits That Benefit Children, please contact focus3BENEFITS at 540-375-3991 for visit

About Shore Bancshares, Inc.

Shore Bancshares, Inc. is a financial holding company headquartered in Easton, Maryland and is the largest independent bank holding company located on Maryland’s Eastern Shore.  It is the parent company of Shore United Bank; one retail insurance producer firm, The Avon-Dixon Agency, LLC (“Avon-Dixon”), with two specialty lines, Elliott Wilson Insurance (Trucking) and Jack Martin Associates (Marine); and an insurance premium finance company, Mubell Finance, LLC (“Mubell”).  Shore Bancshares Inc. engages in trust and wealth management services through Wye Financial & Trust, a division of Shore United Bank. Additional information is available at

About Chubb

Chubb is the world’s largest publicly traded property and casualty insurance company. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients.  As an underwriting company, we assess, assume and manage risk with insight and discipline.  We service and pay our claims fairly and promptly.  The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally.  Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index.  Chubb maintains executive offices in Zurich, New York, London and other locations, and employs approximately 31,000 people worldwide. Additional information can be found at:

About Combined Insurance

Combined Insurance Company of America (Chicago, Ill.) is a leading provider of individual supplemental accident, disability, health, and life insurance products and a Chubb company.With a tradition of nearly 100 years of success, Combined Insurance is committed to making the world of supplemental insurance easy to understand. The company has an A+ rating by the Better Business Bureau, an A+ (Superior) rating by A.M. Best, and is one of Ward’s Top 50® Performing Life-Health Insurance Companies. Combined Insurance is also a 2017 Top 10 Military Friendly®

Employer named by G.I. Jobs Magazine—marking the fifth consecutive year on the Top 10 employer list and third consecutive year in the Top 5. In New York, products are underwritten by Combined Life Insurance Company of New York (Latham, N.Y.). For more information, please visit

About St. Jude Children’s Research Hospital

St. Jude Children’s Research Hospital is leading the way the world understands, treats and defeats childhood cancer and other life-threatening diseases. It is the only National Cancer Institute-designated Comprehensive Cancer Center devoted solely to children. Treatments invented at St. Jude have helped push the overall childhood cancer survival rate from 20 percent to 80 percent since the hospital opened more than 50 years ago. St. Jude is working to drive the overall survival rate for childhood cancer to 90 percent, and we won’t stop until no child dies from cancer. St. Jude freely shares the discoveries it makes, and every child saved at St. Jude means doctors and scientists worldwide can use that knowledge to save thousands more children. Families never receive a bill from St. Jude for treatment, travel, housing or food – because all a family should worry about is helping their child live. Join the St. Jude mission by visiting, liking St. Jude on Facebook ( and following us on Twitter (@stjude).

Wye Financial & Trust Manager Earns Advanced Trust Certificate

Wye Financial & Trust, a division of Shore United Bank and a member of Shore Bancshares community of companies, is proud to recognize Talli Oxnam on her recent achievement through the American Bankers Association. This September, Ms. Oxnam completed her third year of course work in Atlanta and received an Advanced Trust Certification. ABA Trust Certificates show a recognizable level of achievement and knowledge in trust and wealth management.

For more information about Wye Financial & Trust visit

Shore United Bank Celebrated Opening of New Loan Production Office

Ribbon cutting ceremony for the Shore United Bank Loan Production Office in Ocean City, MD.

Shore United Bank, a member of Shore Bancshares community of companies, celebrated the opening of their new Loan Production Office in Ocean City, Maryland, with the assistance of the Greater Ocean City Chamber of Commerce during their ribbon cutting ceremony on September 7, 2017. They are now open to serve the Ocean City business community and its surrounding area.

“We are excited to expand our presence and lending capabilities to the lower Delmarva Peninsula market”, said W. Thomas Mears, Market Executive of Shore United Bank. “We are pleased to offer small business lending and deposit solutions for the Ocean City business community. We have an experienced and professional staff to help our clients achieve their personal and business financial goals”.

For more information about Shore United Bank visit

Carolyn D. Spicher Celebrates 25 Years with Shore United Bank

Shore United Bank is proud to recognize Carolyn Spicher for 25 years of dedicated service.  Ms. Spicher joined Shore United Bank, a member of Shore Bancshares community of companies, in 1992 and currently serves as Commercial Banking Officer for Caroline County. “We appreciate and celebrate her 25 years of experience, professionalism and contribution to the company and our community” says Pat Bilbrough, President and CEO.

Before coming to Shore United Bank (formerly CNB), Carolyn gained 28 years of banking experience with the former Denton National Bank and with First National Bank of Maryland.  Ms. Spicher continued her education at Chesapeake College where she took several accounting and finance classes to complete the Robert Morris Associates Credit Course Program. 

Ms. Spicher has served on many boards over the years such as Shore Gourmet, the Town of Denton Loan Committee, and the Caroline County Historical Society, Inc.  Ms. Spicher is an active member of Mid Shore Regional Council, Caroline County Farm Bureau and Caroline County Chamber of Commerce. She is also a past chairman for the Caroline County Farm Bureau Women Leadership. Carolyn also supports multiple fundraising events for local charities.

Ms. Spicher resides on a farm near Denton, Maryland with her husband, Wayne.

William (Bill) Lane, Jr. Celebrates 35 years with Avon-Dixon Insurance Agency

Avon-Dixon Insurance Agency, a member of Shore Bancshares community of companies, is proud to recognize Bill Lane, Jr. for 35 years of dedicated service. Mr. Lane began his career with Avon-Dixon in 1982 as an insurance sales and service representative for personal and commercial insurance products. Mr. Lane is currently a Senior Executive Vice-President and works with insurance products that assist clients with asset protection and wealth management. Mr. Lane is certified in insurance counseling and risk management.

“Avon-Dixon is pleased to celebrate 35 years with Bill. His commitment to his customers and his continuing drive to learn something new every day speaks volumes to his clients and co-workers. It is always a pleasure to work with him” says Rich Trippe, President and CEO of Avon-Dixon.

Mr. Lane resides in Easton with his wife, Barbara. He enjoys small boat sailing and woodworking. Mr. Lane currently serves on committees for multiple organizations, such as Mid-Shore Community Foundation, Critchlow Adkins Children’s Centers, Talbot Historical Society and more.

Wye Financial & Trust Welcomes W. Neil Zurowski, Financial Advisor

Wye Financial & Trust, a division of Shore United Bank and a member of Shore Bancshares community of companies, has extended its footprint across the Eastern Shore to Arbutus, a greater Baltimore, Maryland area community, by opening the doors of a former Northwest Bank investment branch. As part of this expansion, Wye Financial & Trust is pleased to announce that W. Neil Zurowski has joined the company as a Financial Advisor.  Mr. Zurowski will be responsible for delivering comprehensive strategies to help clients work towards their long-term financial goals.

“We look forward to the opportunities in the Baltimore market area,” noted Wye Financial & Trusts Senior Vice President and Manager Talli Oxnam, “This new location provides geographic diversification for our investment division and will help to support future growth.  We have a great financial advisor, Neil Zurowski, with 24 years of experience at this location to serve the former customers of Northwest Bank.”

Mr. Zurowski’s professional experience includes retirement planning, portfolio management, variable and fixed annuities and life and long-term care insurance. He holds multiple licenses for FINRA Series 7, 63, 65 and 66 as well as Maryland life & health, variable insurance, property & casualty and long-term care. Mr. Zurowski is a graduate of The American University and holds a bachelor of science in business administration.

“I look forward to helping our clients work towards their financial goals.  I am excited to be part of a company that not only cares about its clients but also the community in which it serves,” said Mr. Zurowski who resides in Phoenix, MD. 

Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Shore United Bank deposits and are not FDIC insured.  Shore United Bank and Wye Financial and Trust are not registered broker/dealers and are not affiliated with LPL Financial. These products are not obligations of Shore United Bank and are not endorsed, recommended, or guaranteed by Shore United Bank or any government agency.  The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

Avon-Dixon Supports Classic Motor Museum

The Avon-Dixon Insurance Agency, a member of the Shore Bancshares community of companies, recently contributed $1,000 to the Classic Motor Museum of St. Michaels as the first installment of a 5-year, $5,000 commitment to support the non-profit.  “We’re proud to support the Classic Motor Museum and we’re excited to see the impact it has on our local economy and our community,” said Jason Wilson, Avon-Dixon Insurance Agent. “The museum helps to make our community attractive for visitors and local families while also supporting youth in our community through a focus on vocational-technical education and career training.”  Pictured left to right in the museum’s new exhibit barn are Tad duPont, Museum President and Jason Wilson.

Employees of Shore United Bank participated in the CPR Marathon

DawnAndParker_CPRParker Spurry, Branch Manager of the Shore United Bank St. Michaels office and Dawn Henckel, Assistant Branch Manager participated in the 6th Annual Talbot County CPR Marathon on February 22nd.  This annual event is sponsored by Talbot County Emergency Services, each February in recognition of National Heart Month.  Learning how to do CPR and how to use an AED (Automated External Defibrillator) can save a life.  You never know when and where you might need to jump into action to help someone in need.  For CPR classes visit To learn more about Shore United Bank, visit

Employees at Shore United Bank welcomed visitors from St. Luke’s Nursery

st lukes nurseryEmployees at the St. Michael’s branch of Shore United Bank, a member of the Shore Bancshares community of companies, recently welcomed visitors from St. Luke’s Nursery. The students toured the vault and operated the drive thru greeting and thanking customers for their business. Afterwards, they read a story titled “Bunny Money” and made their very own piggy banks to take home. “St. Luke’s has visited our branch for many years and we look forward to their yearly visit,” said Dawn Henckel, Assistant Branch Manager at the Shore United Bank branch in St. Michaels. “It is so rewarding to see the smiles on their faces!” The bank visit is an annual event for the school and Shore United Bank, who takes an active role in the financial literacy of future generations. Shore United Bank encourages families to be involved with their children’s financial education and to reach out to bank employees for assistance in providing ideas and ways to begin saving. For more information on saving, visit Pictured from left to right are Jacob Wilkison, Emilee Ostrowski, Noah Bowen and Carter Dobson.