We don't want to stick a stake in the ground and say, 'This is where the office will be,' and then find the perfect person 70 miles away. Everything being equal, we'd love to be in the Baltimore area.

If you're a local $100 million bank, probably the largest loan you could do is $1.5 million dollars. Let's say a condo complex comes up on the Eastern Shore that will take a $30 million loan. That local bank couldn't touch that by itself. But they could take the lead and do the $1.5 million and we could do the rest.