LAUREL, Md. - Citizens Bancorp earned $31 million in 1994, a 15.7% jump from the previous year, the company reported.

Earnings per share for the year were $2.09, compared to $1.82 in 1993. The $3.7-billion company has total deposits of $2.8 billion and $306 million in capital.

The company operates at 100 locations in Maryland, Virginia, and the District of Columbia.

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