Tri-County Financial is trying to create some interest in the Old Line State. The financial institution is the holding company for Community Bank of Tri-County, which operates about 10 branches in Calvert, Charles, and St. Mary's counties in southern Maryland. The bank, which was first organized as a savings and loan association in 1950, offers standard retail products and services, including checking and savings accounts, IRAs, and CDs. It uses funds from deposits to write a variety of loans, including commercial mortgages (about 40% of its loan book), residential mortgages, and business loans. Home equity, construction, equipment, and consumer loans round out its loan portfolio.