This solid brick structure, shown in 1909, rose in 1895 as the first permanent home of the Savings Institution. Until then open only on Mondays from 3 pm to 4 pm, the bank extended its hours--from 2 pm to 4 pm Mondays and Thursdays. In 1929 the building was modified with today's pleasing classical portico, columns, dormers, and stylish palladian windows.

A. Douglas Farquhar joined Montgomery Mutual as clerk in 1905 and rose to president in 1947. He also served as a bank director. A World War I pilot, Farquhar founded American Legion Post 68 in Sandy Spring in 1919 and was a founder and first chief of the Fire Department in 1924. He and wife Helen Nesbitt were the third of six Farquhar generations to live at The Cedars.