Bank of Charles Town is an independent community bank that serves the Eastern Panhandle of West Virginia and surrounding areas. The bank offers a complete range of products and services, such as custody accounts, investment management accounts, trusts, estate settlements, will box, rollover individual retirement accounts and personal trust services. Bank of Charles Town also offers a complete line of loan products to individuals and businesses within its service area. It offers commercial loans, retail loans and mortgage loans. Bank of Charles Town, a subsidiary of Potomac Bancshares, is located in Charles Town, W. Va., with branches in Harpers Ferry, Kearneysville, Martinsburg and Hedgesville W. Va.