County First Bank - The Community Bank of Southern Maryland

We're glad you're here! We have some very exciting news to share with you! Are you looking for a bank that provides personalized service? Wish you had Direct Deposit? Want great CD & IRA choices? Well, congratulations! You've found it all! County First Bank is proud to share with you all of our fantastic personal and commercial banking services.

Hometown Banking

Building a tradition in financial growth and community involvement. Commitment to Local Prosperity - Your dollars are invested in your community, not in some distant corporate headquarters.

Quality Service and Hometown Hospitality - We offer you first class services, with the friendly treatment you'd expect from a good neighbor.

***IMPORTANT ONLINE BANKING ALERT*** Click here for details

County First Express Banking - secure online bank transactions 24/7 for your convenience from the nearest Internet computer.

Six Convenient Locations:
Downtown La Plata
202 Centennial Street, 301-934-2265, 301-870-3278
Waldorf - Rt. 925
3670 Old Washington Road, 301-705-6886, 301-870-5845
California - St Mary's County
22805 Three Notch Road, 301-863-2265, 301-627-8400
New Market - Rt. 6 at Rt.5
37605 New Market Road, 301-290-0340
Lusby – Lusby Town Square
222 Town Square Drive, 410-394-3934
Prince Frederick–Westlake Professional Building • NEW •
85 Sherry Lane #101, 301-494-3110

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NEW LOBBY HOURS
for these offices:
LA PLATA, WALDORF,
CALIFORNIA & NEW MARKET

Effective February 1, 2008.
The lobby hours will be as follows:
Monday - Thursday    9:00 a.m. through 4:00 p.m.
Friday         9:00 a.m. through 6:00 p.m.
Saturday      9:00 a.m. through 12:00 p.m.

Drive up Window hours will remain the same
Monday - Friday    8:30 a.m. through 7:00 p.m.
Saturday      8:30 a.m. through 12:00 p.m.

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NOTICE OF
ANNUAL MEETING OF STOCKHOLDERS

TO THE STOCKHOLDERS:

   NOTICE IS HEREBY GIVEN that the Annual Meeting of Stockholders of County First Bank will be held on Wednesday, April 22, 2009 at 5:00 p.m., local time, in Room 113E of the Center for Business and Industry at the College of Southern Maryland, 8730 Mitchell Road, La Plata, MD 20646, for the following purposes:

     1.    To elect sixteen members of the Board of Directors.

     2.   To transact any other business that may properly
            come before the meeting.

Only those holders of record of Common Stock, as of the close of business on April 1, 2009 , are entitled to notice of and to vote at the Annual Meeting and any adjournments or postponements thereof.

Each Stockholder is cordially invited to attend the meeting in person. Whether or not you plan to attend the meeting, you are urged to mark, date and sign your Proxy and return it promptly. The execution of the Proxy will not affect your right to revoke it and to vote in person if you attend the meeting.

Thomas C. Hayden, Jr.
Secretary

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NOTICE TO
COUNTY FIRST BANK
STOCKHOLDERS

County First Bank ticker symbol: CUMD

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For information concerning the sale or purchase of
County First Bank common stock, please contact
Charles Luck at Ferris, Baker Watts Incorporated
100 Light Street
Baltimore, MD 21202
(800) 247-7223

Call our "Data Duck" service
for around-the-clock account information.
(877) 392-2265

MEMBER FDIC
EQUAL
HOUSING LENDER