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Access National Corporation operates as the bank holding company for Access National Bank that provides commercial credit, deposit, and mortgage services to middle market businesses and associated professionals primarily in the greater Washington, D.C. Metropolitan area. Its deposit products include time deposits, savings accounts, money market deposits, and certificates of deposit. The company is lending activities comprise commercial loans, commercial real estate loans, commercial and residential real estate construction loans, residential mortgage loans, home equity loans, and consumer loans. It also offers Internet banking, automated clearinghouse transactions, remote deposit capture, and courier services for commercial clients. In addition, the company, through its subsidiary, Access National Capital Trust II, issues redeemable capital securities. It operates from five banking centers in Chantilly, Tysons Corner, Reston, Leesburg, and Manassas, Virginia. Access National Corporation was founded in 1999 and is headquartered in Reston, Virginia.

Alliance Bankshares has enjoyed a healthy partnership with mortgages since 1996. The financial institution is the holding company for Alliance Bank and its home funding subsidiary, Alliance Mortgage Division. Alliance Bankshares operates branches and loan production offices in the DC suburbs of northern Virginia. The bank offers such services as checking and savings accounts, CDs, corporate credit cards, and cash management. Its lending activities mainly consist of residential and commercial mortgages, with business and consumer loans rounding out its portfolio.

American National Bankshares is the holding company for American National Bank and Trust. Founded in 1909, the bank operates about 20 locations serving southern and central Virginia and north central North Carolina. It offers checking and savings accounts, CDs, IRAs, and insurance. Its lending activities primarily consist of real estate loans: Commercial mortgages account for about one-third of the company's loan portfolio; residential mortgages are about, another quarter. The bank's trust and investment services division manages some $475 million in assets. American National Bankshares is acquiring bank holding company MidCarolina Financial to expand its presence in North Carolina.

Ameris Bancorp enjoys the financial climate of the Deep South. It is the holding company of Ameris Bank, which serves retail and consumer customers through some 60 branches in Alabama, Georgia, South Carolina, and northern Florida. The bank provides standard products and services, including checking and savings accounts, money market accounts, CDs, IRAs, and credit cards; it offers investment services through an agreement with Raymond James Financial. Loans secured by commercial real estate and farmland account for approximately two-thirds of the company's loan portfolio, while residential mortgages and business loans account for about 10% each.

Annapolis Bancorp serves individual and small business customers through about 10 branches in and around the Maryland capital. The bank offers such retail services as checking, savings, and money market accounts; IRAs; and CDs. It also provides private business banking, including cash management and credit products. Its lending activities are composed of commercial mortgages (about 30% of its total loan portfolio), one- to four-family real estate loans (more than 25%), business loans (some 20%), and to a lesser extent, construction and consumer loans.

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