First Shore Federal Savings and Loan Association, founded in 1953, is a financial institution that provides banking services to customers. It offers a wide range of services, such as investment management, money protection, payroll deduction and financial counseling. The various deposit options provided by the association include savings, retirement, checking, Christmas club, business and direct deposit accounts. The association offers various commercial and residential loans to customers, which include automobile, real estate, construction and investment loans. In addition, it provides online services that include fund transfers, 24-hour access to account information and online banking services. It has been a recipient of the Small Business of the Year award from the Salisbury Chamber of Commerce in 1999. The association is located in Salisbury, Md.