Maryland Financial Institutions Section 3-101
§ 3-101.
  (a)   In this title the following words have the meanings indicated.
  (b)   "Capital stock" includes both common and preferred stock of a commercial bank.
  (c)   "Debt instrument" means any capital note, debenture, bond, or certificate of beneficial interest issued by a commercial bank.
  (d)   "Inhabitants" means the population of a municipal area, as determined by the latest federal or State census.
  (e)   "State bank" means an institution that is incorporated under the laws of this State as a bank.
  (f)   "Trust company" means an institution that is incorporated under the laws of this State as a trust company.