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Appointment of Karl J. Keller to Executive Vice President of Lending

Mr. Goodrich has been employed by Jefferson Security Bank for 35 years. He has served as Executive Vice President of Lending since December 2004.

Karl J. Keller, age 50, has been appointed by the Board of Directors, to the position of Executive Vice President of Lending effective January 11, 2012.

Mr. Keller has 25 years lending experience and has worked at Jefferson Security Bank for 18 years as a commercial loan officer at the Shepherdstown, West Virginia office. Keller is a prior graduate of Shepherd University and holds a masters degree in Public Administration from James Madison University.

Jefferson Security Bank, founded in 1869, is a community bank engaged in the general banking business in Berkeley County and Jefferson County, West Virginia, and Washington County, Maryland.

This press release may contain forward-looking statements, as defined by federal securities laws, which may involve significant risks and uncertainties. The statements are based on estimates and assumptions made by management in conjunction with other factors deemed appropriate under the circumstances. Actual results could differ materially from current projections. Readers are encouraged to read filings the Bank has made with the Federal Deposit Insurance Corporation for additional information.

Jefferson Security Bank
K. Stephen Morris, President and CEO
304-876-9025