Village Bank & Trust is the holding company for Village Bank, which has about a dozen branches in the suburbs of Richmond, Virginia. It offers standard services, including deposit accounts, loans, and credit cards. Deposit funds are used to write loans for consumers and businesses in the area; commercial real estate loans, mainly secured by owner-occupied businesses, account for about half of the bank's lending portfolio, which also includes business, construction, residential mortgage, and consumer loans. In 2008 Village Bank & Trust acquired the three-branch River City Bank in a transaction worth more than $20 million.

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.

Atlantic Southern Financial Group is Serving central and southeastern Georgia and northern Florida, Atlantic Southern Financial is the holding company for Atlantic Southern Bank, a community bank that offers deposit services such as checking and savings accounts, as well as loan services, to consumers and small to midsized businesses. Its primary lending services include real estate loans for construction and land development (about 40%), as well as commercial real estate loans (30%). To a lesser extent, Atlantic Southern provides consumer and residential real estate loans. The bank operates more than a dozen branches.

Bank of America boasts one of the country's most extensive branch networks with more than 5,900 locations covering some 40 states from coast to coast. Its core services include consumer and small business banking, credit cards, and asset management. In early 2009 Bank of America paid some $50 billion in stock for Merrill Lynch, which had been crippled by the global credit crisis. The acquisition of the once-mighty investment bank known as "The Bull," which has an extensive retail brokerage network, beefs up Bank of America's wealth management, investment banking, and international business.

Bank of Granite Corporation is the holding company for a community bank of the same name that serves individuals and small businesses in about 10 west-central North Carolina counties. From 20 branches, Bank of Granite offers traditional demand and time deposit products mostly for individuals and small businesses. Before the economic downturn , mortgages made up more than half of Bank of Granite's loan portfolio. However, the slowdown deeply affected customers' ability to repay their loans and in 2009 Bank of Granite stopped originating mortgage loans altogether.

Bank of South Carolina Corporation is the holding company for The Bank of South Carolina, which was founded in 1987. It operates four branches in and around Charleston. Targeting individuals and small to midsized business customers, the bank offers such standard retail services as checking and savings accounts, credit cards, and money market and NOW accounts. Real estate loans make up more than 70% of the The Bank of South Carolina's loan portfolio, which also includes commercial loans (around 20%) and to a lesser extent, personal loans. President and CEO Hugh Lane and his family control about 12% of the company.

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