Thomas J. Reynolds has been named head of the lending division of Baltimore Federal Savings and Loan Association.

Thomas G. Riley has joined Washington Federal Savings and Loan Association as vice president for marketing, public relations and advertising. He will also serve as president of SaveSystem, the association's discount-for-cash program. He was previously with Ehrlich-Manes and Associates.

Howard B. Silils Jr. has been elected senior vice president of Central Fidelity Banks Inc. He will manage the support group, directing statewide marketing, personnel and operations for the Richmond based bank holding company.

Bernard E. Nunez has been named a vice president of EF Hutton & Co. in the firm's Bethesda office.

Leo M. Bernstein has been elected by his Washington banking colleagues to serve on the American Bankers Association's Council as the state vice president for the District of Columbia. Bernstein is the president and chief executive officer of Diplomat National Bank. He is also a member of the finance committee of the National Press Club Foundation.

Central National Bank of Maryland has promoted Juan Pablo Otero from branch manager of the Gaithersburg office to assistant cashier and branch manager of that branch and Douglas T. Brown from credit department manager to assistant cashier.

Frank S. Kaulback III has been elected vice president of First & Merchants National Bank. Marvin E. Dodson Jr. was promoted to assistant cashier.