Sotheby’s Affiliate Expands Team with Addition of Lisa Hoon

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Brandywine Fine Properties Sotheby’s International Realty is expanding its presence on the Eastern Shore with the addition of veteran sales agent Lisa Hoon.

Originally from Baltimore, Hoon moved to Chestertown in 1982, where she and her husband Phil, an
attorney, raised their two sons. Previously with another Chestertown firm, Hoon combines decades of local knowledge with over 10 years of real estate experience.

“The addition of Lisa Hoon to our team is a big win for BFPSIR,” Says partner Laird Bunch, “We represent several high-end listings in Kent and Cecil counties, and she knows that market and understands the nuances of handling complex properties, which is hard to find in an agent.”

When she is not busy with real estate transactions, Lisa enjoys spending time with family and friends. She is an avid reader whose other interests include travel, her pets, cooking and gardening.

Brandywine Fine Properties Sotheby’s International Realty represents buyers and sellers of exceptional properties in Delaware, Pennsylvania, Annapolis and the Eastern Shore.

CNB Announces New Chairman of the Board

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CNB, member of Shore Bancshares Inc. community of companies, announced that Clyde V. Kelly, III has been appointed Chairman of the Board of CNB. Mr. Kelly has been a director of the bank since 2005. He is the President of Kelly Distributors, Easton, Maryland. Mr. Kelly is past President of the Kent Island Rotary, Prospect Homeowners Association, and the Maryland Beer Wholesalers Association. Mr. Kelly also served on the Anheuser Busch Wholesaler Advisory Panel Steering Team, the National Beer Wholesalers Board of Directors and currently serves on the vestry at Old Wye Parish.

It is CNB’s tradition to rotate the chairman of the board every three years. “We look forward to working with Clyde, as we guide the future of CNB. He is committed to the bank and the communities we serve and will offer solid direction to our board,” says F. Winfield Trice, Jr., President and CEO of CNB.

Outgoing chairman, Wm. Maurice Sanger has been a director of the bank since 1992 serving as Chairman the past three years and will continue to serve as a director of CNB. “CNB appreciates Maurice for his admirable leadership, and we thank him for the contributions he has delivered to CNB, during his tenure as chairman,” says Mr. Trice. “We look forward to continuing to work with him on our board.”

Jeffrey E. Thompson will serve as Vice Chairman. Mr. Thompson has been the bank’s attorney since 1986 and a director of the bank since 2005. He is a partner with Thompson and Richard, LLP, a law firm in Centreville, Maryland.

CNB is a community bank, headquartered in Centreville, Maryland, with $473 million in assets and is a member of the Shore Bancshares community of companies, the largest independent financial services company to offer banking, insurance and wealth management services to families and businesses on the Delmarva Peninsula.

L to R: New CNB Chairman of the Board, Clyde V. Kelly, III, with F. Winfield Trice, Jr., CNB President & CEO, Vice-Chairman Jeffrey E. Thompson and outgoing Chairman Wm. Maurice Sanger.

L to R: New CNB Chairman of the Board, Clyde V. Kelly, III, with F. Winfield Trice, Jr., CNB President & CEO, Vice-Chairman Jeffrey E. Thompson and outgoing Chairman Wm. Maurice Sanger.

Tech Thursday: Smart Lightbulbs Can Reveal Wifi Passwords?

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Here’s an interesting site, The Internet Patrol, offering daily techie tidbits for those interested in having “The Internet and Technology Explained in Plain English.” Here’s an example:

“A lightbulb as a port of entry for a hacker to steal your wifi password? Yes! Specifically the LIFX smart lightbulbs, but it could be any smart bulb, or for that matter any other ‘smart’ thing connected to that Internet of things.”

 

Continue reading here.

Chesapeake Bank’s CEO James Anthony to Join Severn Savings

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Chesapeake Bank & Trust Company announced today that James Anthony has tendered his resignation as President and Chief Executive Officer. Mr. Anthony has accepted the position of Chief Operating Officer at Annapolis-based Severn Savings Bank.

Michael Macielag, Chairman of the Board of Directors, made the announcement at a meeting of employees late Monday afternoon. In his announcement, Mr. Macielag said: “One of the realities of community banking is that if you are blessed to have a talented executive, other institutions will recognize it and seek to recruit that officer to their team. Severn Savings is nearly ten times the size of Chesapeake. Severn will provide a bigger challenge, and if you know James, you know that the bigger the challenge, the happier he is. We are very sorry to lose him. He has done an outstanding job at Chesapeake, bringing skills to the table that were perfectly aligned with our needs. He will have left the company far better than he found it and has earned the respect of the entire community, employees, directors and shareholders. We will miss him.”James Anthony 002Mr. Anthony remarked, “Chesapeake has excelled during the financial crisis thanks to the dedication of its employees, the guidance of its Board of Directors, the patronage of its shareholders, and the support of our community. The company is committed to tirelessly serving the needs of our community and is well-positioned for continued profitability and growth.” Mr. Anthony went on to say, “Chesapeake could not be in better hands going forward. I will truly miss the wonderful people throughout this organization, but I know that everyone at Chesapeake will continue to build on the success we have enjoyed.”

The Board of Directors also announced that it is already engaged in a search to hire a new Chief Executive Officer. In the meantime, should that search extend beyond July 11, the Board intends to “put the band back together” in the words of one director. Mr. Macielag and Michael Messix, former Senior Loan Officer and current Chesapeake Bank Director have been asked to spend time in the bank to provide some guidance. Richard Coffman, the long-standing Chief Operating Officer and Chief Financial Officer, has agreed to serve as Acting President and Chief Executive Officer.

“Rick has been trying to retire for two years” Macielag offered, “and we keep holding him back. We hope this assignment won’t last very long for Rick’s sake, but we are confident that his 40 years in banking will provide the kind of on-site, day-to-day decision making that the company needs and our shareholders deserve. He has actually served as President and CEO of two other financial institutions during his long career. This will be the hat trick.”

Chesapeake’s formal announcement included the following statement from its Board:

“Our company is in very good shape. The last seven or eight years have been a challenging environment for all banks; many institutions have fallen by the wayside, suffered large losses, or required government assistance. None of these circumstances apply to Chesapeake, primarily because we have always adhered to a conservative policy of financial discipline. Our “fortress balance sheet” has been our first principle and it has served us well. We are approaching thirty years of existence and have never had an operating loss. Our shareholders have enjoyed the benefit of that conservative discipline. We embrace and reiterate that strategy. The future is challenging but bright.”

Talbot Business Highlight: Mark Cuviello of Fitness RX

Mark Cuviello is the owner of Fitness RX in Easton, MD. He has been involved in fitness for over 30 years and recently has seen some impressive successes in many of his female clients. In this article, Cuviello shares some of the ideas behind such great transformations.

Many fitness professionals have compelling stories as to how they became interested in health enough to evolve it first into a profession and then grow to the point of becoming a recognized expert. Cuviello is no different. “I began mostly playing sports and training to get bigger, stronger and faster. At some point through the years my interest evolved into wanting to help people achieve their goals in fitness and athletics,” explains Cuviello. “Fitness Rx is a 24 hr gym that has been built on customer service and hospitality in the gym environment. We help people set and realize achievable and realistic goals.”

When asked about his company’s success with women clients specifically, Cuviello responded, “Not only do women’s bodies change with age just like men, but women also face many unique fitness hurdles. These are specific hurdles that only women deal with on a monthly basis, pre-child birth, post child birth and menopause just to name a few.” Cuviello continues, “We teach them that fitness and health is 70% nutrition and 30% exercise. This holds true regardless of age.”

One quick glance at the Fitness RX website and a visitor will see that Cuviello and his team have no shortage of success stories. Merrie – a client that has lost 65 pounds to date – writes, “I had just about given up.  I had had 5 knee operations and I wasn’t healing properly. In fact, I could barely move! My quality of life was not good. My knee and my weight were limiting my activities and my life.” Merrie continues, “I decided to give Fitness Rx a try. With support, motivation, and guidance from my trainer, Glen and the staff, fitness and health have become my new way of life. I feel better than ever and I am more physically fit than ever before.  You never know what you can accomplish until you really try!”

When Cuviello was asked whether there were any secrets behind his client’s success, he replied candidly, “There are no magic pills or special diets or secret potions or unique movements that will make a woman attain success. If there were, everyone would have the body they dream about.” Cuviello explains,”We teach our clients about nutrition and proper exercise practices. Everything that we demonstrate and teach we live ourselves and are treated as life lessons. Every single client walks away with the knowledge to continue the path of fitness and health. The mind is the key and education is a priority for Fitness Rx. Every woman can make progress with our trainers, principles and education.”

Mark Cuviello adds one final point before closing, “My trainers are available to meet with potential clients for a one hour personal assessment. We give this assessment free to new members as part of the benefit of joining Fitness Rx.”

Anyone wishing to learn more about Mark Cuviello or his team at Fitness RX are encouraged to contact him at 101 Marlboro Ave, Easton MD. PHONE: 443-385-0606 or visit: http://www.fitnessrxworkout.com.

 in Easton, MD. He has been involved in fitness for over 30 years and recently has seen some impressive successes in many of his female clients. In this article, Cuviello shares some of the ideas behind such great transformations.

Many fitness professionals have compelling stories as to how they became interested in health enough to evolve it first into a profession and then grow to the point of becoming a recognized expert. Cuviello is no different. “I began mostly playing sports and training to get bigger, stronger and faster. At some point through the years my interest evolved into wanting to help people achieve their goals in fitness and athletics,” explains Cuviello. “Fitness Rx is a 24 hr gym that has been built on customer service and hospitality in the gym environment. We help people set and realize achievable and realistic goals.”

When asked about his company’s success with women clients specifically, Cuviello responded, “Not only do women’s bodies change with age just like men, but women also face many unique fitness hurdles. These are specific hurdles that only women deal with on a monthly basis, pre-child birth, post child birth and menopause just to name a few.” Cuviello continues, “We teach them that fitness and health is 70% nutrition and 30% exercise. This holds true regardless of age.”

One quick glance at the Fitness RX website and a visitor will see that Cuviello and his team have no shortage of success stories. Merrie – a client that has lost 65 pounds to date – writes, “I had just about given up. I had had 5 knee operations and I wasn’t healing properly. In fact, I could barely move! My quality of life was not good. My knee and my weight were limiting my activities and my life.” Merrie continues, “I decided to give Fitness Rx a try. With support, motivation, and guidance from my trainer, Glen and the staff, fitness and health have become my new way of life. I feel better than ever and I am more physically fit than ever before. You never know what you can accomplish until you really try!”

When Cuviello was asked whether there were any secrets behind his client’s success, he replied candidly, “There are no magic pills or special diets or secret potions or unique movements that will make a woman attain success. If there were, everyone would have the body they dream about.” Cuviello explains,”We teach our clients about nutrition and proper exercise practices. Everything that we demonstrate and teach we live ourselves and are treated as life lessons. Every single client walks away with the knowledge to continue the path of fitness and health. The mind is the key and education is a priority for Fitness Rx. Every woman can make progress with our trainers, principles and education.”

Mark Cuviello adds one final point before closing, “My trainers are available to meet with potential clients for a one hour personal assessment. We give this assessment free to new members as part of the benefit of joining Fitness Rx.”

Anyone wishing to learn more about Mark Cuviello or his team at Fitness RX are encouraged to contact him at 101 Marlboro Ave, Easton MD. PHONE: 443-385-0606 or visit: http://www.fitnessrxworkout.com.

ICBA and The Talbot Bank Provide Tips for First-Time Homebuyers

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Community bankers serve as an excellent resource for consumers looking to purchase a home and plan for a mortgage

With the summer real estate season upon us, many Americans are considering purchasing a home over the next few months. The total mortgage originations market is estimated to be around $1 trillion in 2014. With that in mind, the Independent Community Bankers of America® (ICBA) and The Talbot Bank are on hand to help homebuyers navigate the mortgage process.

“Buying a home is likely the biggest purchase anyone will make, and community bankers are an excellent resource to help guide consumers through the process,” said John Buhrmaster, ICBA chairman. “With new mortgage rules and regulations in place, community bankers are available to help potential homebuyers by providing accurate and well-informed information. Community bankers across the country can help their neighbors in their local community find mortgages that fit their financial needs, budgets and lifestyles.”

ICBA and The Talbot Bank offer the following eight suggestions for prospective first-time homebuyers:

  • Know your monthly income and budget, including how much you spend on rent, utilities, entertainment, clothing, food and transportation.
  • Discuss your finances with The Talbot Bank before you begin looking for a home. It is important to stay within your means when purchasing a house.
  • Gather and organize paperwork and documents. Items you should have readily available include paycheck stubs, W2 forms, tax returns and bank and investment statements for the past two years.
  • Check your credit report so you are aware of what your current credit score is before applying for a loan. Credit reporting agencies must give you one free report annually.
  • Maxing out credit cards or falling behind on other loan payments could create issues when applying for a mortgage. Keep tabs on your spending habits before applying for a mortgage, and don’t go on a spending spree afterwards either.
  • Work with your community banker to figure out how much you can borrow and which mortgage product is right for you. Your local community banker can explain available mortgage options—including rate adjustments, fees and other loan features—so you are prepared for the loan closing and not surprised down the road.
  • Learn what current mortgage rates are. Your community banker can help you understand how that translates into monthly mortgage payments.
  • Check with your state, city and county government agencies for special first-time-homebuyer loan or grant programs available to assist with down payment and closing costs.

“The Talbot Bank works with our customers and help give advice on finding mortgages borrowers can afford,” said Kevin Moran, Senior Lending Officer, The Talbot Bank. “There are plenty of steps to complete to ensure the home buying process goes smoothly and we are on hand to help with this. Our community bankers can help customers determine the most affordable mortgage options and are available to provide additional financial guidance if needed.”

Visit www.talbot-bank.com or call 410-822-1400. To learn more about community banks and services they offer, visit www.icba.org.

Mid-Shore Community Foundation Announces New Directors

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The Mid-Shore Community Foundation is pleased to announce the appointment of four new members to it’s Board of Directors: William “Bill” Brooks, Heather Guerieri, Kirk Helfenbein and Stuart Bounds.

Bill Brooks

Bill Brooks

The Foundation is honored to have the leadership and guidance of these individuals. The new members have diverse backgrounds and their collective experience and knowledge will be invaluable assets to the foundation.

Bill Brooks and his two brothers are the fourth generation to operate the J. M. Clayton Company in Cambridge, Maryland. The Clayton Company is the oldest working crab processing plant in the world and is a Chesapeake Bay landmark. Bill serves on the Board of the National Bank of Cambridge and is an Advisor to The George B. Todd Fund of the Mid-Shore Community Foundation.

Heather Guerieri

Heather Guerieri

Heather Guerieri has been the executive director of Hospice of Queen Anne’s, Inc. in Centreville,

Maryland since February 2007. Heather holds her certification in Hospice and Palliative Care Nursing as well as sits on the board for the Hospice and Palliative Network of Maryland.

Kirk Helfenbein

Kirk Helfenbein

Kirk Helfenbein is President of Fellows, Helfenbein & Newnam Funeral Home, P.A. with locations in Chestertown, Easton, Kent Island, Millington, Centreville and Annapolis. He also is involved with Shore Memorials, a granite and monument company, serving the Eastern Shore of Maryland. Kirk served as President of The Chestertown Rotary Club, Chestertown Elks Lodge, Ducks Unlimited and other local civic groups.

Stuart Bounds

Stuart Bounds

Stuart Bounds is a former President of the Mid-Shore Community Foundation and prior to that, he was President of Chesapeake College. Stuart serves on the Boards of University of Maryland Shore Regional Health and The Country School.

The new directors will assist the Mid-Shore Community Foundation in it’s efforts to improve the quality of life for citizens on the Mid-Shore. For information about the Mid-Shore Community Foundation visit www.mscf.org, call 410.820.8175 or connect on Facebook.

Winners Announced for Talbot Chamber Business Awards Program

The Talbot County Chamber is pleased to announce the winners of the 2014 Business Awards Program. Each year the Talbot Chamber asks its members to nominate individuals and organizations to be recognized for outstanding service to our community. The Chamber Board of Directors reviews the nominations and votes for a winner in each category. In 2008 the Chamber Board of Directors created a new category to recognize an individual who has a long record of service to our community. In 2013 the Chamber Board of Directors has added a Young Professional category.

Here are the 2014 winners:

Business Man of the Year

Dan Bridges, Owner/President AQUA Pools & Spas

Business Woman of the Year

Laura Heikes, Senior Vice President Branch Administration, The Talbot Bank

Small Business of the Year

Chem-Dry On the Shore, Vance Morris, Owner

Large Business of the Year

CBIZ MHM, LLC, Bob Valliant, CPA, Senior Managing Director

Not-For-Profit Business of the Year

Mid-Shore Pro Bono, Inc., Sandy Brown, Executive Director

Young Professional of the Year

Suzanne Silverstein, Benson & Mangold

Community Service Award

R. Michael S. Menzies Sr. .President and CEO, Easton Bank and Trust

Join the Talbot Chamber on Tuesday, August 26, 2014 at Harbourtowne Golf Resort & Conference Center, when we recognize these outstanding award winners.Registration is $60 per person. Register at www.talbotchamber.org or contact Kathy Hanna at (410) 822-4653 or khanna@talbotchamber.org.

Moore Named Director of Mission Advancement for YMCA

Heather Moore
Heather Moore

Heather Moore

The YMCA of the Chesapeake (YMCA) has announced Heather Moore of Easton, MD will serve as the new Director of Mission Advancement, effective August 1, 2014. Moore brings a wide range of professional experience to the position, including a core background in leading non-profits in the areas of financial stability and stewardship over the last 11 years.

“This is such an important addition to our team,” said YMCA CEO Robbie Gill. “The YMCA is embarking on multiple capital campaigns as well as developing a 3-5 year funding strategy for some of our most crucial youth programs. I first met Heather last year, as a Strong Kids Campaign volunteer, and was immediately impressed by her passion for the YMCA. She’s intelligent and genuine. With her leadership experience in non-profits, along with her energy and drive to serve others, she is a perfect fit for our organization.”

“We are extremely pleased to welcome Heather to the YMCA,” added YMCA Chief Volunteer Officer, Ken Mann. Heather was selected from a large field of highly qualified candidates.”

“The YMCA does exceptional work providing programming and support to all segments of the community. I have always held the YMCA’s mission very close to my heart and I am honored to be able to play a deeper role in getting our message out in the community.” commented Moore.

Moore currently serves as the Chief Financial Officer at Mid-Shore Community Foundation. Her experience also includes time as the Vice-President of Finance and Administration at Chesapeake Bay Maritime Museum. She earned her Bachelor of Science from the University of Maryland. A true Eastern Shore-lifer, Moore was born and raised in Denton, Maryland. She currently resides in Easton with her husband of 16 years, Shane and their 3 children, Gabriel (15), Nate (12) and Lila (5). The Moores are active YMCA members and engaged in a variety of community programs and services.

For more information about the YMCA of the Chesapeake, visit www.ymcachesapeake.org

or call 410-822-0566.

Lorrie Twilley Celebrates 25 Years with Shore Bancshares

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LorrieTwilley_25Years_USEDShore Bancshares, Inc. is proud to recognize Lorrie S. Twilley for 25 years of dedicated service to the financial holding company, headquartered in Easton, MD. Ms. Twilley began her career with CNB (previously Centreville National Bank of Maryland), a member of Shore Bancshares community of companies, in 1989 as a Bookkeeper. In 1994, she was named Supervisor of Bookkeeping at CNB, and when Shore Bancshares consolidated the CNB and The Talbot Bank bookkeeping departments in 2003, Ms. Twilley was named Operations Supervisor. Since 2008, she has served as Chief Banking Operations Manager at Shore Bancshares, Inc. In her current role, Ms. Twilley is responsible for the oversight of the deposit operations department at the company’s headquarters for CNB and The Talbot Bank.

Over the years Ms. Twilley has completed coursework at Chesapeake College and the American Bankers Association. She has also completed a number of Dale Carnegie courses and regularly participates in MACHA and Federal Reserve Seminars. “Lorrie’s extensive experience and comprehensive knowledge of deposit operations make her an invaluable member of our team,” said Donna Stevens, Chief Operations Officer at Shore Bancshares Inc. “We are pleased to celebrate her tenure with the company and grateful for her loyalty and contributions to our business.”

Ms. Twilley resides in Centreville with her husband, Ralph. She has two children, Tiffaney Palmatary and Dustin Greenwood; two step children, Alyssa Haldeman and Christopher Twilley; two grandchildren, Tara and Trey Palmatary; and a Labrador, Max. Ms. Twilley has been active in the community for many years and enjoys giving back through volunteering. She proudly participates in many fundraisers for Breast Cancer Awareness and is a member of the Ruthsburg Community Center. In her spare time, Ms. Twilley takes pleasure in spending time with her family and friends. She enjoys swimming, reading, boating, gardening, attending Raven’s games, and going to the beach.