It became apparent to management that an additional office was needed in another northern island. On July 17, 1999, the Bank once again expanded its operation. This time a new branch was opened in Marsh Harbour Abaco. The office was located on Queen Elizabeth Drive and there were two persons employed on the staff at the time. Today, the branch operations in Abaco has been transferred to the Freeport Office of which both together constitute the Northern Bahamas.