"It's another big out-of-state bank coming in, thinking, 'Look how successful Montgomery County is, let's go there and be successful,'" said John P. Hollerbach, president and CEO of HarVest Bank of Maryland in Rockville. "I say good luck, but the timing is questionable and I think it's rather presumptuous to say you're going to get the African-American market because you're an African-American bank.

"I'm not sure if it's best to try to compartmentalize things that way. From what I've found, most people, whether they are black or Indian or Asian, want to be a part of the community here … I think the bottom line for our community is, 'Are you a part of the community, are you nesting here trying to make it work?'"

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