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EXHIBIT 16.1
March 27, 2020
Securities and Exchange Commission
100 F Street, N.E.
Washington, DC 20549
Ladies and Gentlemen:
We have read Item 9, “Changes in disagreements with accountants on accounting and financial disclosure – Previous Independent Accountants” of Form 10-K dated March 27, 2020, of Delmar Bancorp and Subsidiaries and are in agreement with the statements contained in the second, third and fourth paragraphs of Item 9 therein. We have no basis to agree or disagree with other statements of the registrant contained therein.
Salisbury, Maryland
March 27, 2020