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                             May 17, 2022

       Robert E. Goetz
       President and Chief Executive Officer
       Community Heritage Financial, Inc.
       P.O. Box 75
       Middletown, MD 21769

                                                        Re: Community Heritage
Financial, Inc.
                                                            Draft Offering
Statement on Form 1-A
                                                            Submitted May 10,
2022
                                                            File No. 367-00323

       Dear Mr. Goetz:

                                                        This is to advise you
that we do not intend to review your offering statement.

              Please refer to Rule 252(d) regarding the public filing
requirements for non-public
       submissions, amendments and correspondence. We will consider qualifying
your offering
       statement at your request. If a participant in your offering is required
to clear its compensation
       arrangements with FINRA, please have FINRA advise us that it has no
objections to the
       compensation arrangements prior to qualification.

               We remind you that the company and its management are
responsible for the accuracy
       and adequacy of their disclosures, notwithstanding any review, comments,
action or absence of
       action by the staff. We also remind you that, following qualification of
your Form 1-A, Rule 257
       of Regulation A requires you to file periodic and current reports,
including a Form 1-K which
       will be due within 120 calendar days after the end of the fiscal year
covered by the report.

                                                        Please contact John
Dana Brown at 202-551-3859 with any questions.




                             Sincerely,


                             Division of Corporation Finance

                             Office of Finance