Botetourt Bankshares Inc

Bank of the James Financial Group is a holding company for Bank of the James, which was incorporated under the laws of the Commonwealth of Virginia as a state chartered bank in 1998. The bank serves individuals, retailers, and small- and medium-sized businesses. It provides investment planning and cash and asset management services. Bank of the James offers business installment and commercial construction loans. The bank provides various short- and long-term savings options, including certificates of deposit and individual retirement accounts. In addition, it offers 24-hour Internet and telephone banking services. Bank of the James operates several ATMs, as well as provides credit and debit cards. The bank is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender.

Pinnacle Bankshares Corporation is a one-bank holding company that was organized in 1997. It conducts all of its business activities through the branch offices of its wholly owned subsidiary bank, the First National Bank of Altavista, Va. The bank was organized in 1908 to provide services to commercial and agricultural businesses and individuals in the Altavista area. With an emphasis on personal service, the bank offers a broad range of commercial and retail banking products and services, including checking, savings and time deposits, individual retirement accounts, merchant bankcard processing, residential and commercial mortgages, home equity loans, consumer installment loans, agricultural loans, investment loans, small business loans, commercial lines of credit and letters of credit. At the end of 2005, Pinnacle Bankshares had nearly $250 million in assets. It has several branch offices in Lynchburg, Forest and Moneta, Va., as well as Altavista.