About Us

As a locally-owned independent community bank we're all about getting it right... for you! Whatever your needs, we will provide a financial tool to accomplish your need.

We will provide for your financial needs very differently from the large state-wide holding company banks with headquarters out of state

How! Because we've been serving Southside Virginia for a long time. In 2012 we celebrated 100 years of continuous service to Charlotte County and surrounding areas. For many years we have been rated as a Five-Star bank by Bauer Financial Reports, Inc. This rating company is a nationally known independent bank rating system company. The Five-Star rating is the highest they give and indicates the bank to be one of the strongest banks in the United States based on its capitalization, operating and income performance.

Longstanding bonds of trust and our local contacts and interest, combined with our unencumbered, small bank agility, mean we get it right for you, fast and tailored to your individual needs. No formulas, no big-bank rules, no distant decision makers located miles or states away. Our decision makers are all your neighbors. Right here!

We invite you to get to know us by exploring our site.