Howard Bank will make a difference. First, for the small business owner, his or her business, family, and employees. This is about building dreams. What we do through a unique hands-on approach to customer service can have an impact that touches all parts of their lives. And then the effect will spread. By investing our time, energy and resources into one business after another, one family after another, we help to assure that the communities we serve will remain great places to live and work.