Potomac Bancshares, Inc. announced the hiring of Stephen Cowen as Senior Vice President, Director of Mortgage Banking. Cowen, formerly Vice President, Senior Loan Officer with Atlantic Coast Mortgage, LLC, of Fairfax, Virginia, and Director of Mortgage Production with Middleburg Mortgage, leading a team of ten mortgage professionals. Cowen brings over 30 years of financial services experience and over 20 years of mortgage origination experience to his new position.