Our Team
Local Leadership Your Can Trust
At Farmers & Merchants Bank, our greatest strength is our people. Our leadership team is made up of dedicated professionals who understand that community banking is about more than numbers—it’s about relationships. Each member brings deep expertise in banking, compliance, lending, and customer service, while remaining true to our mission: to serve as a trusted financial partner to families, businesses, and farms across Maryland.
From the tellers who greet you by name to the loan officers who tailor solutions for your unique needs, our team is committed to delivering personalized, one-on-one service.
Our Executive Team
The Executive Team at Farmers & Merchants Bank provides the vision, leadership, and expertise that continue to guide our community bank into its second century of service. Each member of our leadership team combines decades of banking experience with a shared commitment to personal service, financial strength, and community growth. Meet the Team >
Our Commercial Lending Team
We understand that every business has unique needs and opportunities. Our Commercial Lending Team is dedicated to providing customized financing solutions that help local businesses grow, invest, and thrive in our community. Our lenders live and work in the same communities as the businesses they serve. They know the local market, understand the challenges facing business owners, and are committed to delivering financing options that are practical, flexible, and responsive. Meet the Team >
Our Branch Team
At Farmers & Merchants Bank, our Branch Managers are the heart of our customer experience. Each manager leads with a commitment to personal service, ensuring that every customer who walks through our doors receives knowledgeable guidance and a warm community welcome. Our Branch Managers live and work in the same communities they serve. They understand local needs and build strong relationships with customers—whether it’s helping a family open their first account, guiding a business owner through financing, or supporting seniors with everyday banking. Meet the Team >
Executive Team
Commercial Lending Team
Branch Team
Board of Directors
James R. Bosley Jr.
Director of the Company since 2016 and of the Bank since 1991; retired; CEO of the Company and the Bank between July 18, 2022 and December 31, 2022; President of the Company between 2016 and July 18, 2022 and of the Bank from 1995 to July 18, 2022; former director and President of the Bank’s subsidiary, Reliable Community Financial Services, Inc. (“RCFI”); a director of the Northeast Social Action Program; and a past director of the Maryland Bankers Association. The skills, experience and knowledge acquired by Mr. Bosley during his approximately 41 years of service to the Bank, with 28 years as both a director and as President and CEO, qualify him to serve as a director.
Roger D. Cassell
Director of the Company since 2016 and of the Bank since 2008; Regional Vice President of Mobile Communications America, a company that provides voice, data, and security solutions, since 2024; President and CEO of Communications Electronics, Inc. of Baltimore, Maryland, a company that sells, designs and installs wireless communications systems, from 1994 to 2024; former Managing Member of Communications Electronics Systems, a company that sells, designs and installs commercial security systems; Managing Member of 1924 Group, LLC and Cassell Group LLC, which are real estate holding companies; Managing Member of 1955 Automotive Group, an automotive repair services company; and previously employed in various positions with Communications Electronics, Inc. from 1979 to 1994. Mr. Cassell’s qualifications to serve as a director include his 16 years as a director of the Bank, his many years as a business owner, his experience in real estate, and his experience with cutting-edge technology in the wireless communications field.
Steven W. Eline
Director of the Company since 2016 and of the Bank since 2013; licensed mortician; President and co-owner of Eline Funeral Home, J.F. Eline & Sons, Inc., Eline Monuments, LLC, and Carroll Cremation, all funeral related companies; President and owner of Eline Properties, LLC., a real estate investment entity; President and co-owner of Petals, Flowers, & Gifts, LLC, a retail florist; Director of the Hampstead Cemetery Association, which manages the Hampstead Cemetery; and member of the Maryland State Funeral Directors Association, the National Funeral Directors Association, the Cremation Association of North America, and the Hampstead Lions Club. Mr. Eline’s qualifications to serve as a director include his 11 years as a director of the Bank, his many years as a business owner, and his experience with commercial real estate.
Edward A. Halle Jr.
Director of the Company since 2016 and of the Bank since 2010; practicing attorney in the law firm of Fowley & Beckley, P.A.; President of Slade, Inc., a family-owned investment company; and Managing Member of Panther Branch LLC and Panther South LLC, both of which invest in real estate. Mr. Halle’s qualifications to serve as a director include his 14 years as a director of the Bank, and his experience as an attorney who specializes in land conservation, real estate, zoning and other related matters.
Gary A. Harris
Director of the Company and the Bank since 2022; President and CEO of the Company and the Bank since January 1, 2023; President of the Company and the Bank between July 18, 2022 and January 1, 2023; President and director of RCFI, a subsidiary of the Bank; Executive Vice President – Chief Lending Officer of the Bank between 2021 and July 18, 2022; Senior Vice President – Commercial Banking of the Bank between 2016 and 2021; and Vice President – Commercial Banking of the Bank between 2008 and 2016. Mr. Harris’ qualifications to serve as a director include the knowledge and experience that he has gained during his 16-year career with the Bank, particularly with respect to the Bank’s lending operations, and his experience serving on the Bank’s Strategic Growth Committee, Asset-Liability Committee, and Officer’s Loan Committee.
Ronald W. Hux
Director of the Company since 2016 and of the Bank since 2006 and Chairman of the Company Board since May 2025; owner of Douron Inc., a commercial furniture dealership located in Owings Mills, Maryland from 1977 to 2023; developer and manager of commercial properties in Owings Mills, Maryland; and past Director of Owings Mills Corporate Round Table, a business association. Mr. Hux’s qualifications to serve as a director include his 18 years as a director of the Bank, his many years as a business owner, and his experience in the office furniture and commercial real estate industries.
Emily B. Miller
Director of the Company and the Bank since 2023; owner/partner and the Secretary and Treasurer of Barnes-Bollinger Insurance Services, Inc., a full-service insurance firm, since 2019 and served in various roles in the business from 2008 to 2019, most recently as a Risk Advisor; holds a Certified Insurance Counselor (CIC) designation; board member of the Carroll County Chamber of Commerce, the Carroll Hospital Foundation, the Carroll Community College Foundation, the Agency Insurance Company of Maryland, Inc., and the Carroll County Youth Services Bureau and a member of the Advisory Board of the Carroll County Farm Museum. Mrs. Miller’s qualifications to serve as a director include her many years as a business owner, her dedicated community involvement, and her experience as a board member of various other organizations.
Robert G. Pollokoff
Director of the Company and the Bank since 2023; President and Chief Executive Officer of The Fedder Company since 1998, a commercial real estate investment and management company; board member of the Associated Jewish Charities and chairperson of their Funds and Foundations committee; volunteer for Habitat for Humanity; former board member of Comprehensive Housing Assistance, Inc. from 1991 to 1998, a nonprofit agency that provides housing assistance for the elderly as well as first-time home buyers in the Upper Park Heights community of Baltimore, Maryland. Mr. Pollokoff’s qualifications to serve as a director include his many years as President and Chief Executive Officer of The Fedder Company, his vast real estate experience and knowledge, his dedicated community involvement, and his experience as a board member of various other organizations.
Bruce L. Schindler
Director of the Company since 2016 and of the Bank since 1989 and Chairman of the Company Board from 2020 to 2025; Director, President and Owner of Bob Davidson Ford Lincoln, an automobile dealership; board member of the Baltimore Washington Ford Dealers Advertising Fund; Treasurer and board member of Pathfinders for Autism, a nonprofit charitable organization; Member of BLS Reinsurance, LLC, an automobile warranty reinsurance company; and Member of McDhaid, LLC, a real estate holding company. Mr. Schindler’s qualifications to serve as a director include his 35 years as a director of the Bank, his many years as a business owner, his experience in the automotive sales and service industry, and his accounting background.
Teresa L. Smack
Director of the Company and of the Bank since 2017; retired; owner of Terry’s Tag and Title Service, LLC, which is a licensed tag and title agent for the State of Maryland from 2000 to 2024; co-owner of A&L, LLC, a tag and titling agent outside of Maryland; co-owner of 10710, LLC and 1010 Balt. Blvd., LLC, both real estate investment corporations; Founder, past President and member of the Maryland Vehicle Titling Association, a trade association; member of the Carroll County Chamber of Commerce; member of the Rape Crisis Foundation Board; past member of the Carroll Hospital Foundation Board. Ms. Smack’s qualifications to serve as a director include her six years as a director of the Bank, her many years as a business owner, and her experience as a board member for various other organizations.