Calvin B. Taylor Bankshares, founded in 1890 and based in Berlin, Md., operates as the holding company for Calvin B. Taylor Banking. The company provides commercial and retail banking services to individuals, businesses and governmental units. Its products and services include checking and savings accounts, time deposits, such as certificates of deposit, transaction and retirement accounts. The company offers short- to medium-term commercial and personal loans. Its commercial loans include secured and unsecured loans for working capital, business expansion, and purchase of equipment and machinery. The company s consumer loans include loans for financing automobiles, home improvements, education and personal investments. It also offers commercial and residential mortgage loans, and real estate construction and acquisition loans. The company s additional services include cash management, 24-hour ATMs, debit cards, safe deposit boxes, traveler s checks, automatic drafts, telephone and Internet banking services.