▁of ▁Historic ▁Places ▁in ▁ 1 9 7 5 . ▁ ▁References ▁ ▁External ▁links ▁, ▁including ▁photo ▁from ▁ 1 9 8 3 , ▁at ▁Maryland ▁Historical ▁Trust ▁ ▁Category : H ouses ▁in ▁Som erset ▁County , ▁Maryland ▁Category : H ouses ▁on ▁the ▁National ▁Register ▁of ▁Historic ▁Places ▁in ▁Maryland ▁Category : H ouses ▁completed ▁in ▁ 1 6 8 2 ▁Category : National ▁Register ▁of ▁Historic ▁Places ▁in ▁Som erset ▁County , ▁Maryland ▁Category : 1 6 8 2 ▁establish ments ▁in ▁Maryland <0x0A> </s> ▁A ▁demand ▁draft ▁is ▁a ▁negoti able ▁instrument ▁similar ▁to ▁a ▁bill ▁of ▁exchange . ▁A ▁bank ▁issues ▁a ▁demand ▁draft ▁to ▁a ▁client ▁( dra wer ), ▁direct ing ▁another ▁bank ▁( dra we e ) ▁or ▁one ▁of ▁its ▁own ▁branches ▁to ▁pay ▁a ▁certain ▁sum ▁to ▁the ▁specified ▁party ▁( pay ee ). ▁ ▁A ▁demand ▁draft ▁can ▁also ▁be ▁compared ▁to ▁a ▁che que . ▁However , ▁demand ▁draft s ▁are ▁difficult ▁to ▁counter m and . ▁Dem and ▁draft s ▁can ▁only ▁be ▁made ▁pay able ▁to ▁a ▁specified ▁party , ▁also ▁known ▁as ▁pay ▁to ▁order . ▁But , ▁che ques ▁can ▁also ▁be ▁made ▁pay able ▁to ▁the ▁bear er . ▁Dem and ▁draft s ▁are ▁orders ▁of ▁payment ▁by ▁a ▁bank ▁to ▁another ▁bank , ▁whereas ▁che ques ▁are ▁orders ▁of ▁payment ▁from ▁an ▁account ▁holder ▁to ▁the ▁bank . ▁ ▁De fin itions ▁and ▁reg ulations ▁by ▁region ▁ ▁Dem and ▁draft s ▁are ▁also