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GREAT PEE DEE BANCORP INC (PEDE)

Great Pee Dee Bancorp, Inc. operates as the holding company for Sentry Bank & Trust (bank), which offers various banking and financial services in Chesterfield, Marlboro, and Florence Counties, South Carolina. It offers deposit products, including passbook accounts, checking accounts, money market accounts, fixed term certificates of deposit, individual retirement accounts, and savings accounts, as well as originates one-to four-family residential mortgage loans secured by property; commercial real estate loans secured by churches, office buildings, and other commercial properties; residential and commercial real estate construction loans, and land loans; and home improvement loans secured by second mortgages on the secured property. The bank also makes commercial loans, consumer loans, and loans secured by deposit accounts. Its investment portfolio consists of U. S. government agency securities, mortgage backed securities, municipal securities, and trust preferred securities. The company was founded in 1920 and is based in Cheraw, South Carolina.


AMERICAN COMMUNITY BANCSHARES (ACBA)

American Community Bancshares, Inc. operates as the holding company for American Community Bank and First National Bank of the Carolinas, which provide commercial banking services in North Carolina and South Carolina. The banks engage in generating deposits and originating loans. Its deposit products include checking, negotiable order of withdrawal, certificates of deposit, money market, time deposit, and savings accounts. The banks' loan portfolio comprises commercial loans, consumer and personal loans, mortgage loans, account receivable financing, real estate mortgage loans, home equity lines of credit, industrial loans, and lease financing. They primarily invest in the obligations of the U. S. government agencies, mortgage-backed securities, and state and municipal bonds. As of December 31, 2004, the banks operated 13 branch locations. American Community Bancshares was formed in 1996 and is based in Charlotte, North Carolina.


VILLAGE BANK AND TRUST FINANCIAL CORP (VBFC)

Village Bank and Trust Financial Corp. operates as the holding company for Village Bank, which engages in commercial and retail banking in Virginia. The bank, through its subsidiaries, provides banking and related financial services, including checking, savings, certificates of deposit, and other depository services, as well as commercial, real estate, and consumer loans. Commercial loans include both secured and unsecured loans for working capital, business expansion, and purchase of equipment and machinery. Consumer loans include secured and unsecured loans for financing automobiles, home improvements, education, and personal investments. It also originates fixed and variable rate mortgage loans, and real estate construction and acquisition loans. In addition, the bank provides a range of real estate finance services. The bank conducts its operations from five full service banking offices. Village Bank serves the financial needs of individuals, small and medium sized businesses, entrepreneurs, and professional concerns. The company was founded in 1999. It was formerly known as Southern Community Financial Corp. and changed its name to Village Bank and Trust Financial Corp. in May 2005. Village Bank and Trust is based in Midlothian, Virginia.


FIRST COMMUNITY BANCSHARES INC (FCBC)

First Community Bancshares, Inc. (FCBI) operates as the holding company for First Community Bank, N. A. (bank), which offers various commercial and retail banking, and financial services in West Virginia, Virginia, North Carolina, and Tennessee. The bank offers demand, savings, time, and certificates of deposit, as well as originates commercial, mortgage, and personal loans. It also provides various financial services, including wealth management, asset allocation, financial planning, and investment advice. In addition, the company offers trust management and estate administration services, such as managing inter vivos trusts and trusts under will, developing and administering employee benefit plans and individual retirement plans, and managing and settling estates. FCBI invests in U.S. government agency securities, corporate notes, mortgage-backed and equity securities. As of December 31, 2004, it operated 53 full-service banking locations, 6 loan production offices, 2 trust and investment management offices, and 51 automated teller machines. The company is headquartered in Bluefield, Virginia.


WSFS FINANCIAL CORPORATION (WSFS)

WSFS Financial Corporation operates as a thrift holding company for the Wilmington Savings Fund Society, FSB (bank), which provides various financial services primarily in Delaware and southeastern Pennsylvania. The bank offers various deposit products, including savings accounts, demand deposits, interest-bearing demand deposits, money market deposit accounts, and certificates of deposits. In addition, it accepts negotiable rate certificates of deposit from individuals, businesses, and municipalities in Delaware. Wilmington Savings Fund Society offers residential and commercial real estate mortgage, commercial, and consumer lending services, as well as cash management services. The bank's commercial lending services include loans for the purpose of working capital, financing equipment acquisitions, business expansion, and other business purposes. Its consumer credit products include equity-secured installment loans and home equity lines of credit. In addition, the bank markets various third-party investment and insurance products, such as single-premium annuities, whole life policies, and securities; provides investment advisory services to high net-worth individuals and institutions; and services existing loans and leases related to motor vehicle leasing. Wilmington Savings Fund Society invests primarily in corporate bonds, state and political subdivisions, the U.S. government and agencies, and mortgage-backed securities. The bank serves its customers primarily from its main office, 24 retail banking offices, loan production offices, and operations centers. WSFS Financial Corporation is headquartered in Wilmington, Delaware.


HAMPTON ROADS BANKSHARES INC (HMPR)

Hampton Roads Bankshares, Inc. operates as the holding company for Bank of Hampton Roads that provides community and commercial banking services primarily to individuals and small to medium sized businesses in Chesapeake, Suffolk, Norfolk, and Virginia Beach, Virginia. It accepts various demand and time accounts, including checking accounts, interest checking, money market accounts, savings accounts, certificates of deposit, and IRA accounts. The company's loan portfolio comprises construction and real estate loans; loans to individuals for personal, household, and family purposes; loans to businesses for working capital, plant expansion, and equipment purchases; and real estate loans for residential and commercial properties. It also offers telephone banking, Internet banking, and debit card services. The company, through Hampton Roads Investments, Inc., provides securities, brokerage, and investment advisory services. As of March 31, 2007, it operated 17 offices in the Hampton roads region of southeastern Virginia. Hampton Roads Bankshares was founded in 1987 and is headquartered in Norfolk, Virginia.


C&F FINANCIAL CORPORATION (CFFI)

C&F Financial Corporation operates as the holding company for Citizens and Farmers Bank that provides commercial banking services primarily in Virginia. The bank offers various retail and mortgage services. Its deposit products include checking, savings, money market, and certificates of deposit accounts. The bank's loan portfolio comprises one-to-four family and multi-family residential mortgage loans, commercial real estate loans, construction loans, land acquisition and development loans, consumer loans, and commercial business loans. Citizens and Farmers Bank also originates and sells loans in the secondary market. In addition, the bank offers automated teller machine, Internet banking, credit card, and trust services, as well as provides travelers' checks, safe deposit box rentals, collections, notary public, wire services, and other customary bank services. Further, it provides brokerage, insurance, and title insurance services. Citizens and Farmers Bank primarily invests in the obligations of the U.S. government agencies and corporations, obligations of states and political subdivisions, and mortgage-backed securities. As of November 8, 2005, it operated 14 retail bank branches located throughout the Newport News to Richmond corridor in Virginia and provided mortgage services through 21 offices. C&F Financial Corporation was founded in 1927 and is headquartered in West Point, Virginia.


FIRST BANCORP (FBNC)

First Bancorp, through its principal subsidiary, First Bank (bank), provides banking services, primarily within the central Piedmont region of North Carolina. It offers checking, savings, NOW and money market accounts, and other time deposits of various types; and loans for business, agriculture, real estate, personal uses, home improvement and automobiles; credit cards; debit cards; letters of credit; IRAs; safe deposit box rentals; bank money orders; and electronic funds transfer services, including wire transfers, automated teller machines, and bank-by-phone capabilities. The bank also provides online bill-payment and cash management services, as well as offers property and casualty insurance products. As of December 31, 2004, it operated 59 branches, of which 53 were located in North Carolina, 3 in South Carolina, and 3 in Virginia. In addition, First Bancorp invests in U.S. government agencies, mortgage-backed and equity securities, and corporate bonds. The company, formerly known as Montgomery Bancorp, was organized in 1934. It changed its name to First Bancorp in 1986. The company is headquartered in Troy, North Carolina.


CAPITAL CITY BANK GROUP (CCBG)

Capital City Bank Group, Inc. operates as the bank holding company for Capital City Bank, which provides various commercial and retail banking services in Florida, Georgia, and Alabama. The bank accepts demand, savings, and time deposits; extends credit; and originates residential mortgage loans. Its consumer banking services comprise checking accounts, savings programs, automated teller machines, overdraft facilities, debit/credit cards, night deposit services, safe deposit facilities, and PC/Internet banking. The bank provides loans and financing services for commercial business properties, equipment, inventories, and accounts receivable, as well as offers commercial leasing, letters of credit, treasury management services, and merchant credit card transaction processing. In addition, Capital City Bank provides trust and asset management services, as well as brokerage services. It serves principally corporate and individual customers, governmental entities, and correspondent banks. As of July 26, 2005, the bank operated 68 banking offices, 6 mortgage lending offices, 79 ATMs, and 11 Bank N Shop locations in Florida, Georgia, and Alabama. Capital City Bank Group is headquartered in Tallahassee, Florida.


CITY HOLDING COMPANY (CHCO)

City Holding Company operates as the bank holding company for City National Bank of West Virginia that provides various financial products and services in West Virginia and Ohio. The bank offers various deposit accounts that include checking, certificate of deposits, and retirement accounts. Its loan portfolio comprises home equity, mortgage, personal, auto, and installment loans. The bank also offers various financial services, such as trust services, corporate cash management, and other services. In addition, it offers credit and debit cards, as well as provides automated teller machines, online banking, and telebanking services. Further, it provides various insurance products and services. As of July 20, 2005, the bank operated 67 branch offices. City Holding is headquartered in Charleston, West Virginia. City Holding Company acquired Classic Bancshares, Inc. in April 2005.


BB&T CORPORATION (BBT)

BB&T Corporation, a financial holding company, provides various banking and financial services to individuals, corporations, institutions, foundations, and government entities. It generates various deposit instruments, including checking accounts, savings accounts, money rate savings, investor deposit accounts, certificates of deposit, and individual retirement accounts. The company's lending activities include small business lending, commercial middle market lending, real estate lending, retail lending, home equity lending, sales finance, mortgage lending, commercial mortgage, leasing, and asset-based lending. It also offers other services, including asset management, agency insurance, wholesale insurance brokerage, institutional trust services, wealth management, investment brokerage services, capital markets services, factoring, international banking services, cash management, electronic payment services, credit and debit card services, and consumer finance, as well as payroll processing and payments services. In addition, the company offers nondeposit investment alternatives, including discount brokerage services, fixed-rate and variable-rate annuities, mutual funds, and government and municipal bonds. As of December, 31, 2004, its subsidiaries operated approximately 1,400 banking offices in North Carolina, South Carolina, Virginia, Maryland, Georgia, West Virginia, Tennessee, Kentucky, Alabama, Florida, Indiana, and Washington. The company was founded in 1906 and is headquartered in Winston-Salem, North Carolina.


GATEWAY FINANCIAL HOLDINGS INC (GBTS)

Gateway Financial Holdings, Inc. operates as the holding company for Gateway Bank & Trust Co. that provides commercial and retail banking services in northeastern North Carolina and the Tidewater area of southeastern Virginia. The bank engages in generating deposits and originating loans. Its deposit products include savings, money market, time, and negotiable order of withdrawal accounts. The bank's loan portfolio comprises commercial, real estate, and consumer loans, as well as home equity lines of credit. It also offers debit card program, automated teller machines, securities brokerage, and Internet banking services, as well as sells commercial and personal insurance products. The bank primarily invests in the obligations of the U.S. government agencies, municipal securities, corporate debt securities, and mortgage-backed securities. As of June 30, 2005, it operated 18 full service banking branches in Elizabeth City, Edenton, Kitty Hawk, Moyock, Nags Head, Plymouth, and Roper, North Carolina; and Chesapeake, Emporia, Suffolk, and Virginia Beach, Virginia. The company was formed in 1998 and is based in Elizabeth City, North Carolina.


AMERICAN NATIONAL BANKSHARES INC (AMNB)

American National Bankshares, Inc. operates as the holding company for American National Bank and Trust Company, which offers various retail and commercial banking services in Virginia and North Carolina. It accepts various deposits, including NOW, savings, money market, and time deposits. It offers residential real estate; commercial real estate, multifamily, farmland and construction, and land development loans, as well as commercial, industrial, and agricultural loans, and consumer loans. The bank, through its subsidiaries, offers secondary-market mortgage loans, and non-deposit investment products, including mutual funds, equity securities, and insurance products. It also offers trust and investment services, including estate planning, trust account administration, and investment management. The bank's investment portfolio consists of federal agencies, mortgage-backed, state and municipal, and equity securities; and corporate bonds. As of March, 31, 2005, the bank operated 14 offices and 18 automated teller machines. American National Bankshares was founded in 1909 and is based in Danville, Virginia.


YADKIN VALLEY FINANCIAL CORPORATION (YAVY)

Yadkin Valley Bank and Trust Company (The bank) provides general banking services for northwest North Carolina. It offers traditional commercial and consumer banking services, including taking of demand and time deposits and the making of consumer and commercial loans. In addition to ATM's, the banking provides 24-hour telephone banking and Internet services, and check imaging. The bank operates 20 banking offices in North Carolina serving the counties of Surry, Wilkes, Yadkin, Ashe, Iredell, North Mecklenburg, and Watauga. Through its subsidiaries, the bank provides investment services to its customers. The bank was incorporated in 1968 and is headquartered in Elkin, North Carolina.


SYNOVUS FINANCIAL CORPORATION (SNV)

Synovus Financial Corp., a holding company, provides various financial services. It operates in two segments, Financial Services and Transaction Processing Services (TPS). The Financial Services segment provides commercial banking services, including commercial, financial, agricultural, and real estate loans; retail banking services, including accepting demand and savings deposits; individual, consumer, installment, and mortgage loans; safe deposit services; leasing services; automated banking and fund transfer services; and bank credit card services. It also provides portfolio management services; securities brokerage; trust services; insurance agency services; financial planning services; asset management services; and investment advisory services. The TPS segment primarily provides electronic payment processing services in the United States, Canada, Mexico, Honduras, Puerto Rico, and Europe. It also provides back-end processing services to support merchant processing and offers other products and services to support its processing services. In addition, the TPS segment provides commercial printing and related services; programming support and assistance with the conversion of card portfolios to TS2; recovery collections, bankruptcy process and legal account management, and skip tracing services; Internet, Intranet, and client/server software solutions for commercial card management programs; targeted loyalty consulting, as well as travel, gift card, and reward programs; gift card processing services to Japanese clients; prepaid card solutions; and sells and leases computer related equipment associated with its electronic payment processing services. As of April 26, 2005, Synovus operated 41 banks and other Synovus' offices in Georgia, Alabama, South Carolina, Florida, and Tennessee. The company was formed in 1888 and was formerly known as CB&T Bancshares, Inc. It changed its name to Synovus Financial Corp. in 1989. Synovus is headquartered in Columbus, Georgia.


SOUTHSIDE BANCSHARES INC (SBSI)

Southside Bancshares, Inc. operates as the holding company for the Southside Bank that provides commercial banking services in east Texas. The bank engages in generating deposits and originating loans. Its deposit products include demand, savings, time, money market, and checking accounts, as well as certificates of deposit. The bank's loan portfolio comprises consumer, commercial, and construction loans. Southside Bank's consumer loan services include 1-4 family residential mortgage loans, home equity loans, home improvement loans, automobile loans, and other installment loans. Its commercial loan services include short-term working capital loans for inventory and accounts receivable, short and medium-term loans for equipment or other business capital expansion, commercial real estate loans, and municipal loans. The bank also offers construction loans for 1-4 family residential and commercial real estate. In addition, it provides trust, safe deposit, and brokerage services. Southside Bank's trust services include investment, management, administration, and advisory services, primarily for individuals, as well as for partnerships and corporations. The bank primarily invests in the obligations of the U.S. Treasury, the U.S. government agencies, mortgage-backed Securities, and state and political subdivisions. As of December 31, 2004, it operated 22 branches in the counties of Tyler, Longview, Lindale, Jacksonville, Bullard, Chandler, and Whitehouse, Texas. Southside Bancshares is based in Tyler, Texas.


SCBT FINANCIAL CORPORATION (SCBT)

SCBT Financial Corporation operates as the holding company for South Carolina Bank and Trust, N.A. and South Carolina Bank and Trust of the Piedmont, N.A. (banks), which offer general banking services within the state of South Carolina. These banks provide checking, NOW accounts, savings, and other time deposits of various types; alternative investment products, such as annuities and mutual funds; loans for businesses, agriculture, real estate, personal use, home improvement, and automobiles; credit cards; letters of credit; home equity lines of credit; safe deposit boxes; bank money orders; wire transfer services; trust services; discount brokerage services; correspondent banking services; and ATM facilities. The company also invests in U.S. Government Agency and mortgage-backed securities, and corporate bonds and stocks. As of September 12, 2005, SCBT Financial operated 36 financial centers in 12 South Carolina counties. The company, formerly known as First National Corporation, was organized in 1934. It changed its name to SCBT Financial Corporation in 2004. SCBT Financial is headquartered in Columbia, South Carolina.


COOPERATIVE BANKSHARES INC (COOP)

Cooperative Bankshares, Inc. operates as the bank holding company for Cooperative Bank that provides financial products and services in eastern North Carolina. The bank offers various deposit products, including interest-bearing and noninterest-bearing checking accounts, certificates of deposit, savings accounts, and individual retirement accounts. Its loan portfolio comprises overdraft protection, commercial, consumer, agricultural, real estate, residential mortgage, and home equity loans. The bank also provides safe deposit boxes and automated teller machines, as well as online banking and telebanking services. In addition, it offers discount brokerage services, annuity sales, mutual funds, and bill pay for personal accounts. The bank primarily invests in the U.S. Government and agency securities, and mortgage-backed securities. As of August 5, 2005, the bank operated 20 offices. Further, the bank, through its subsidiary, Lumina Mortgage Company, Inc., engages in the origination and sale of residential mortgage loans. Cooperative Bankshares is headquartered in Wilmington, North Carolina.


WILMINGTON TRUST CORPORATION (WL)

Wilmington Trust Corporation operates as a holding company for Wilmington Trust Company, which provides banking and trust services. The company operates in three segments: Regional Banking, Wealth Advisory Services, and Corporate Client Services. The Regional Banking segment offers commercial banking services, including lending, deposit taking, and branch banking in the markets of Delaware, southeastern Pennsylvania, and Maryland's eastern shore. Its lending activities include commercial loans, commercial and residential mortgages, and construction and consumer loans. Its deposit products include demand checking, certificates of deposit, negotiable order of withdrawal accounts, and other savings and money market accounts. The Wealth Advisory segment provides various financial planning, investment management, fiduciary, and custom lending services for individuals and families. Its services include estate, retirement, tax, philanthropic, business succession, and executive benefits planning. The Wealth Advisory segment also offers trust creation and administration, estate settlement, and private banking services, as well as offers financial advice, bookkeeping, tax return preparation, investment management, and courier services to high net worth individuals. The Corporate Client Services segment serves national and multinational institutions with various trust, custody, and administrative services that support capital markets transactions, entity management, and retirement plans. It provides services that support structured finance transactions like securitizations and leveraged leases; and trust and custodian services for retirement plans. The Corporate Client Services segment also serves as indenture, successor, collateral, or liquidating trustee in corporate reorganizations, debt restructurings, mergers, and bankruptcies. As of June 30, 2005, the company had 44 branch offices. Wilmington Trust Corp. was founded in 1901 and is headquartered in Wilmington, Delaware.


FIRST UNITED CORPORATION (FUNC)

First United Corporation operates as the holding company for First United Bank & Trust, which provides retail and commercial banking services to individuals, businesses, and various governmental units in western Maryland and northeastern West Virginia counties. The bank accepts checking, savings, and money market deposit accounts, as well as IRA and certificates of deposits. It also offers business loans; personal loans; mortgage loans; commercial loans secured by real estate, commercial equipment, vehicles, or other asset; commercial real estate loans secured by land for residential and commercial development, agricultural purpose properties, service industry buildings, retail buildings, and general purpose business space; home equity lines of credit; and residential real estate construction loans. In addition, the bank provides brokerage services; safe deposit and night depository facilities; various insurance products; trust services, including personal trust, investment agency accounts, charitable trusts; and retirement accounts, such as IRA roll-overs, 401(k) accounts, defined benefit plans, estate administration, and estate planning. Its investment portfolio comprises U.S. government and agencies securities, mortgage-backed securities, obligations of states and political subdivisions, and corporate and other debt securities. As of September 30, 2005, the bank had a network of 25 offices and 34 automated teller machines. The company, through its other subsidiaries, provides credit life and credit accident reinsurance, and health insurance products. First United Corporation is based in Oakland, Maryland.


FIRST CITIZENS BANCSHARES INC (FCNCA)

First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company (FCB) and IronStone Bank (ISB). It offers a range of banking services for both retail and commercial customers. The company primarily provides various products, including savings, money market accounts, and time deposits; commercial, business, and consumer lending services; trust services; wealth management; and other commercial banking services. It also underwrites and sells credit-related life insurance products, as well as offers various investment products, including annuities, discount brokerage services, and third-party mutual funds to customers. In addition, the company engages in writing property and casualty insurance. As of December 31, 2004, First Citizens operated 386 branch offices in North Carolina, Virginia, West Virginia, Florida, Georgia, Texas, Arizona, California, New Mexico, Colorado, Oregon, and Washington. The company was founded by 1893 and is based in Raleigh, North Carolina.


SOUTH FINANCIAL GROUP INC (TSFG)

The South Financial Group, Inc. operates as the bank holding company for Carolina First Bank and Mercantile Bank that provide a range of financial products and services to small and middle market businesses, and consumers. The company's financial services include consumer and commercial banking, cash management, insurance, investments, wealth management, mortgage, and trust services. Its commercial and consumer banking services comprise deposit accounts, secured and unsecured loans through direct and indirect channels, residential mortgage originations, trust functions, safe deposit services, and Internet banking services. As of July 21, 2005, The South Financial Group operated 167 branch offices in Florida, North Carolina, and South Carolina. It invests primarily in the U.S. Treasury, U.S. Government agencies, mortgage-backed securities, state and municipals, and corporate bonds. The company was founded in 1986 and is headquartered in Greenville, South Carolina.


BANK OF VIRGINIA (BOVA)

Bank of Virginia provides a range of general banking services in the Chesterfield County, Virginia. The company accepts various deposit products, including saving deposits, checking accounts, demand deposits, time deposits, interest bearing demand deposits, and individual retirement accounts, as well as certificates of deposit. Its loan portfolio consists of real estate construction, home equity, and commercial and residential loans, as well as mortgage, commercial, and consumer loans. The company's operations include personal banking, business banking, online banking, and telephone banking services. As of August 6, 2007, it operated four full-service offices in Chesterfield County, Virginia. The company is based in Midlothian, Virginia.


PROVIDENT BANKSHARES CORPORATION (PBKS)

Provident Bankshares Corporation operates as the bank holding company for Provident Bank that provides financial services to individuals, small businesses, and middle market businesses in the United States. The bank primarily engages in generating deposits and originating loans. Its deposit products include savings accounts, money market, and time deposits. The bank's loan portfolio comprises installment loans secured by real estate, boats, or automobiles; home equity lines; unsecured personal lines of credit; residential and commercial real estate; business and consumer loans; and leases. Provident Bank primarily invests in U.S. Treasury and Agency securities; mortgage-backed securities; and other debt securities, which include corporate bonds and asset-backed securities. In addition, through its subsidiaries, it offers securities brokerage, investment management, and related insurance services. As of July 21, 2005, the bank served individuals and businesses in the urban areas of Baltimore, Washington, and Richmond through a network of 152 offices in Maryland, Virginia, and southern York County, Pennsylvania. It also operates a network of 244 automated teller machines. Provident Bankshares was formed in 1886 and is based in Baltimore, Maryland.


BAY NATIONAL CORPORATION (MARYLAND) (BAYN)

Bay National Corporation operates as the holding company for Bay National Bank, which provides commercial and retail banking services primarily in Baltimore, Maryland metropolitan area and the eastern shore of Maryland. Its deposit products include commercial and retail checking accounts, money market accounts, individual retirement accounts, savings accounts, and certificates of deposit. The company also offers various commercial and industrial loans, such as working capital, equipment purchases, lines of credit, and government contract financing; and commercial real estate loans comprising mortgage loans on nonresidential properties, and land development and construction loan financing, as well as first and second mortgage loans on commercially owned residential investment properties. It also provides mortgage loans and residential construction loans secured by residential property, including first and second mortgage loans on owner occupied and investment properties owned by individuals, and home equity loans secured by single-family owner-occupied residences; consumer loans, including automobile and personal loans; residential mortgage loans; and home equity loans. Bay National Corporation also provides various cash management services, such as sweep accounts, repurchase agreements, commercial paper investments, account reconciliation, lockbox services, and wire transfer of funds for commercial customers. In addition, it offers telephone banking, ATM/debit cards, safe keeping boxes, after-hours deposit services, travelers checks, direct deposit of payroll, and automatic drafts for various accounts. The company serves small and medium-sized businesses, business owners and professionals, and high net worth individuals. As of March 16, 2007, it operated two full-service banking offices each one in Baltimore and Salisbury of Maryland. The company was incorporated in 1999 and is based in Lutherville, Maryland.


FNB UNITED CORP (FNBN)

FNB Corp. operates as the holding company for First National Bank and Trust Company (FNBTC) that provides commercial banking services in North Carolina. The bank engages in generating deposits and originating loans. Its deposit products include demand, savings, money market, time, and certificates of deposit. FNBTC's loan portfolio comprises commercial, agricultural, real estate, and consumer loans. It also provides Internet banking, cash management, investment management, and trust services. The bank primarily invests in the obligations of the U.S. government agencies and corporations; mortgage-backed securities; and state, county, and municipal securities. FNB Corp, through other subsidiary, Dover Mortgage Company (DMC), originates, underwrites, and closes mortgage loans for sale into the secondary market. DMC operates mortgage production offices in Carolina Beach, Charlotte, Goldsboro, Greenville, Lake Norman, Leland, Raleigh, and Wilmington. As of June 30, 2005, FNBTC operated 21 community YES! Banks in Archdale, Asheboro, Biscoe, China Grove, Ellerbe, Greensboro, Kannapolis, Laurinburg, Pinehurst, Ramseur, Randleman, Rockingham, Salisbury, Seagrove, Siler City, Southern Pines, and Trinity. The company was formed in 1907 and is based in Asheboro, North Carolina.


GLEN BURNIE BANCORP (GLBZ)

Glen Burnie Bancorp operates as the holding company for The Bank of Glen Burnie, which provides commercial and retail banking services to individuals and corporate customers primarily in the northern Anne Arundel County and surrounding areas in Maryland. The bank accepts regular savings accounts, money market deposit accounts, demand deposit accounts, NOW checking accounts, IRA and SEP accounts, Christmas club accounts, and certificates of deposit. It also offers real estate loans, including residential and commercial real estate loans, shorter term construction and land development loans, and home equity loans; commercial loans, such as working capital loans, lines of credit, and letters of credit; consumer and commercial installment loans for the purchase of automobiles, boats, other consumer durable goods, capital goods, and equipment; indirect automobile loans; and overdraft protection lines of credit. In addition, the bank provides safe deposit boxes, money orders and travelers' checks, night depositories, automated clearinghouse transactions, wire transfers, automated teller machines (ATMs), telephone banking, and a customer call center. It invests in U.S. treasury securities, mortgage backed securities, securities issued by certain states and their political subdivisions, and corporate trust preferred securities. As of December 31, 2004, the bank had eight branch offices in Glen Burnie, Odenton, Riviera Beach, Crownsville, Severn, Severna Park, and Linthicum, as well as two remote ATM locations in Ferndale and Pasadena, Maryland. The company, through its other subsidiary, GBB Properties, Inc., acquires, holds, and disposes real property. Glen Burnie Bancorp was founded in 1949 and is based in Glen Burnie, Maryland.


MONARCH FINANCIAL HOLDINGS INC (MNRK)

Monarch Bank (Chesapeake, VA) offers commercial and personal banking services. The bank provides checking and saving accounts, individual retirement accounts (IRA's), certificate of deposits, personal loans, home equity loans, lines of credit, telephone banking, commercial courier service, credit and debit cards, merchant bankcard services, safe deposit boxes, automated teller machines, term loans, Internet banking, and cash management services. Monarch Bank is based in Chesapeake, Virginia.


BNC BANCORP (BNCN)

BNC Bancorp operates as the holding company for Bank of North Carolina, which provides commercial banking services to individuals, and small to medium size businesses primarily in North Carolina. The bank accepts savings accounts, checking accounts, negotiable order of withdrawal accounts, money market demand accounts, noninterest-bearing accounts, and fixed interest rate certificates. It also offers commercial and industrial loans that include both secured and unsecured loans for working capital, expansion, and other business purposes; real estate loans for purchasing, constructing, and refinancing one to four family, five or more family, and commercial properties; home equity credit lines; and loans to individuals, including automobile loans, boat and recreational vehicle financing, and secured and unsecured personal loans. In addition, the bank provides safe deposit boxes and other associated services. The bank invests in U.S. government agency securities, securities issued by local governmental municipalities, and mortgage-backed securities. As of December 31, 2004, the bank had 34 branch offices, including 10 branches located in Thomasville and Lexington, Davidson County; 9 offices located in the town of Archdale, Randolph County; 13 offices located in the town of Kernersville, Forsyth County; and 2 offices located in the town of Oak Ridge, Guilford County. The company was founded in 1991 and is based in Thomasville, North Carolina.


UNITED BANKSHARES INC (UBSI)

United Bankshares, Inc., through its banking subsidiaries, engages in community banking business. It accepts checking, savings, time, and money market deposit accounts, as well as offers personal, commercial, floor plan, student, construction, and real estate loans. The company also provides individual retirement accounts, safe deposit boxes, and wire transfers; and credit card, telephone banking, and Internet banking services. It acts as trustee under wills, trusts, and pension and profit sharing plans; as an executor and administrator of estates; as guardian for estates of minors and incompetents; and performs various investment and security services. In addition, the company provides services, such as check clearing, safekeeping, and the purchase and sale of federal funds to its correspondent banks. It also owns nonbanking subsidiaries, which offer asset management, real property title insurance, investment banking, financial planning, and brokerage services. In addition, the company invests in U.S. treasury securities and obligations of U.S. Government corporations and agencies, state and political subdivisions, and mortgage-backed and marketable equity securities. Its principal market area includes Parkersburg, Charleston, Huntington, Morgantown, and Wheeling, West Virginia; and Arlington, Fairfax, Loudoun, and Prince William counties, Virginia. As of December 31, 2004, the company operated 90 full service offices, including 52 offices in West Virginia; 35 in the Northern Virginia, Maryland, and Washington, D.C. areas; and 3 in Ohio. United Bankshares is headquartered in Charleston, West Virginia.


CAROLINA NATIONAL CORPORATION (CNCP)

Carolina National Corporation operates as the holding company for Carolina National Bank and Trust Company (bank), which provides various banking services to small and medium-sized businesses, and individuals in Carolina. The bank offers a range of savings accounts, individual retirement accounts, checking accounts, money market accounts, and time certificates of deposit. It also makes commercial, real estate, and installment loans primarily to borrowers in and around Richland County and Horry County, South Carolina, as well as makes mortgage loans primarily for resale in the secondary market. As of December 31, 2006, the bank operated from its main office, three branch offices, and a loan production office in Columbia, South Carolina, as well as a loan production office in Myrtle Beach, South Carolina. The company was founded in 2000 and is headquartered in Columbia, South Carolina.


ANNAPOLIS BANCORP INC (ANNB)

Annapolis Bancorp, Inc. operates as the holding company for BankAnnapolis, which provides commercial and retail banking services in Anne Arundel County, Maryland. The bank accepts savings, NOW, checking, money market, individual retirement, and certificate of deposit accounts. It also offers commercial loans, including business loans, term loans, lines of credit, and small business administration loans; commercial real estate loans; construction loans on both one- to- four family residences and commercial real estate properties; home equity lines of credit; and consumer loans, including personal lines of credit and installment loans secured by new or used automobiles, and new or used boats; and loans secured by deposit accounts. The bank provides its services to small businesses, professional concerns, and individuals. It invests in the United States treasury and the United States government agency securities; and other securities, including mortgage-backed securities issued by or guaranteed by the federal government. As of December 31, 2004, the bank operated five branches located in Anne Arundel County, Maryland; and one branch located in Kent Island in Queen Anne's County, Maryland. The company was formerly known as Maryland Publick Banks, Inc. and subsequently changed its name to Annapolis National Bancorp, Inc. Further, it changed its name to Annapolis Bancorp, Inc. in 2001. Annapolis Bancorp is headquartered in Annapolis, Maryland.


TIDELANDS BANCSHARES INC (TDBK)

Tidelands Bancshares, Inc. operates as a holding company for Tidelands Bank that provides various banking products and services. It accepts checking accounts, commercial accounts, savings accounts, time deposits, daily money market accounts, long-term certificates of deposit, and individual retirement accounts. The company offers real estate mortgage loans, such as commercial real estate loans, residential real estate loans, and home equity loans; real estate construction and land development loans; commercial business loans; commercial business loans; equity-line loans; and consumer loans, including loans for personal and household purposes, secured and unsecured installment loans, and revolving lines of credit. In addition, it offers safe deposit boxes, traveler's checks, direct deposit, the U.S. savings bonds, and banking by mail; and other services, including Internet banking, bill payment, and cash management services. The company serves individuals, businesses, associations, organizations, and governmental authorities located in Charleston, Dorchester, Berkeley, Horry, and Beaufort counties in South Carolina. The company was founded in 2003 and is headquartered in Mount Pleasant, South Carolina.


CAPE FEAR BANK CORPORATION (CAPE)

Cape Fear Bank Corporation operates as a holding company for Cape Fear Bank, which provides community-oriented commercial and consumer banking services in New Hanover, Pender, and Brunswick counties in southeastern North Carolina. Its deposit services include business and individual checking accounts, savings accounts, NOW accounts, certificates of deposit, and money market checking accounts. The bank's loan portfolio consists of consumer and commercial loans to individuals and small- and medium-sized businesses for various personal and business purposes, including term and installment loans, equity lines of credit, and overdraft checking credit. As of December 31, 2006, Cape Fear Bank Corporation operated five banking offices. The company was founded in 1998 and is headquartered in Wilmington, North Carolina.


COMMUNITY BANKSHARES INC (SCB)

Community Bankshares, Inc. operates as the holding company for Orangeburg National Bank, Sumter National Bank, Florence National Bank, and Bank of Ridgeway, which provide various banking services in South Carolina. The company accepts business and personal checking accounts, NOW accounts, savings accounts, money market accounts, various term certificates of deposit, IRA accounts, and other deposits from individuals and small businesses. It also offers consumer loans, including car loans, home equity improvement loans secured by first and second mortgages, personal expenditure loans, education loans, and other loans; commercial loans, such as short-term unsecured loans, and short and intermediate term real estate mortgage loans, as well as loans secured by listed stocks, equipment, inventory, and accounts receivable; real estateconstruction loans; real estatemortgage loans; and financial and agricultural loans. In addition, the company provides safe deposit boxes, night depository service, VISA and Master Card brand charge cards, 24-hour automated teller service, and Internet banking services. Community Bankshares, through its nonbanking subsidiary, Community Resource Mortgage, Inc., offers one- to-four family residential mortgage products. The company invests in U.S. treasury and U.S. government agencies, and securities of states and political subdivisions. As of December 31, 2004, the company had two offices in Orangeburg; two offices in Sumter; two offices in Florence; and one office each in Ridgeway, Winnsboro, and Blythewood, South Carolina. Community Bankshares was founded in 1987 and is headquartered in Orangeburg, South Carolina.


SANDY SPRING BANCORP INC (SASR)

Sandy Spring Bancorp, Inc. operates as the holding company for Sandy Spring Bank that offers commercial banking to individuals and businesses in Maryland. It accepts interest-bearing demand deposits, regular savings, money market savings, and time deposits. The bank offers commercial and residential real estate loans, which include residential mortgages, residential construction, commercial real estate, commercial construction, leases, and other commercial loans. It also offers various other services, including lines of credit, equipment leasing, general insurance, and personal trust services. It invests primarily in the U.S. agency, state and municipal, mortgage-backed, corporate debt, trust preferred, and marketable equity securities. As of October 3, 2005, the bank operated 31 community offices in Anne Arundel, Carroll, Frederick, Howard, Montgomery, and Prince George's Counties in Maryland. The company was founded in 1868 and is headquartered in Olney, Maryland.


MIDDLEBURG FINANCIAL CORPORATION (MBRG)

Middleburg Financial Corporation is a bank holding company that conducts its primary operations through three wholly owned subsidiaries, Middleburg Bank (MB), Tredegar Trust Company (TTC) and Gilkison Patterson Investment Advisors, Inc (GPIA). The Company, through its subsidiaries, offers a wide range of banking, fiduciary and investment management services available to both individuals & small businesses. The banking services include various types of checking & savings deposit accounts, and the making of business, real estate, development, mortgage, home equity, automobile and other installment, demand and term loans. MB offers automatic teller machines, Internet banking, travelers' checks, money orders, safe deposit rentals, collections, notary public, wire services and other bank services. TTC and GPIA provide investment management and fiduciary services, and serve as escrow agents, attorneys-in-fact, guardians of property or trustees of an individual retirement account. The company was founded in 1924. It was formerly known as Independent Community Bankshares, Inc. and changed its name to Middleburg Financial Corporation in May 2002. Middleburg Financial Corporation is based in Middleburg, Virginia.


COLONY BANKCORP INC (CBAN)

Colony Bankcorp, Inc., a multibank holding company, provides various retail and commercial banking services in Georgia. The company engages in generating deposits and originating loans. Its deposit products include demand, savings, time, and individual retirement accounts. The company's loan portfolio comprises installment, commercial, and real estate loans, as well as home mortgages and personal lines-of-credit. Colony Bankcorp also provides Visa and Master Card services, safe deposit and night depository services, cashier's checks, money orders, traveler's checks, wire transfers, Internet banking, and other services. The company primarily invests in the obligations of the U.S. government agencies, mortgage backed securities, obligations of states and political subdivisions, corporate obligations, and marketable equity securities. Colony Bankcorp was formed in 1975 and is headquartered in Fitzgerald, Georgia.


FINANCIAL INSTITUTIONS INC (FISI)

Financial Institutions, Inc., a bank holding company, provides consumer, commercial, and agricultural banking services in Western and Central New York State. The company, through four banking subsidiaries, engages in generating deposits and originating loans. Its deposit products include savings accounts, checking accounts, money market accounts, club accounts, transaction accounts, and certificates of deposit accounts, as well as individual retirement accounts. The company's loan portfolio comprises commercial and agricultural working capital, revolving lines of credit, commercial and agricultural mortgages, equipment loans, crop and livestock loans, residential mortgage loans and home equity lines of credit, home improvement loans, student loans, automobile loans, and personal loans. It invests in the U.S. treasury securities, the U.S. government agency and government sponsored agency securities, mortgage-backed securities, equity securities, and corporate bonds. As of December 31, 2004, the company operated 50 branches and 72 automated teller machines in 15 counties of western and central New York State. Financial Institutions, Inc. was founded in 1931 and is headquartered in Warsaw, New York.


PENNS WOODS BANCORP INC (PWOD)

Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank that provides commercial and retail banking services in Pennsylvania. The bank offers time, demand, and savings deposits, as well as super NOW accounts, regular savings accounts, money market accounts, investment certificates, fixed rate certificates of deposit, and club accounts. It also provides secured and unsecured commercial and consumer loans, commercial transactions, construction and mortgage loans, residential mortgage loans, revolving credit loans with overdraft protection, and small business loans. In addition, the bank offers safe deposit facilities, insurance and securities brokerage services, investment and cash management services, and real estate related services. It invests in the U.S. treasury and government agency securities, state and political securities, other debt and equity securities. As of December 31, 2004, the bank operated 11 branch offices and a mortgage/loan center in northcentral Pennsylvania. The company was incorporated in 1934 and is based in Williamsport, Pennsylvania.


SHORE BANCSHARES INC (SHBI)

Shore Bancshares, Inc. operates as a holding company that provides various financial products and services in Maryland and Delaware. It offers various deposit products, including demand, savings, and time deposits, as well as negotiable order of withdrawal accounts. The company's loan portfolio comprises commercial, financial, and agricultural loans; real estate mortgage and construction loans; and consumer loans. It also provides safe deposit boxes, debit cards, telephone banking, Internet banking, and automatic teller machine services. The company primarily invests in the obligations of the U.S. government agencies, states and political subdivisions, and mortgage-backed securities. As of June 30, 2005, it operated 15 branches in the Eastern Shore of Maryland and in Delaware. In addition, the company offers a range of insurance products and services, and investment advisory services. The company was formed in 1876 and is based in Easton, Maryland.


COMMUNITY FINANCIAL CORP (CFFC)

Community Financial Corporation operates as the holding company for Community Bank, which offers general banking services in Virginia. The bank engages in accepting deposits and originating loans. Its deposit products primarily include savings, time, interest bearing demand deposits, and noninterest bearing demand deposits. The bank's loan portfolio comprises real estate loans, including residential, commercial and multifamily, and construction loans; consumer loans, which consist of home equity, automobile, and secured and unsecured personal loans; and commercial business loans. It primarily invests in Federal agency obligations, state agency obligations, and commercial papers. The bank operates offices in Staunton, Waynesboro, Stuart Drafts, Raphine, Verona, and Virginia Beach, Virginia. The company was founded in 1928 and is based in Staunton, Virginia.


UNION BANKSHARES CORPORATION (UBSH)

Union Bankshares Corporation operates as a holding company for the Union Bank & Trust Company, Northern Neck State Bank, Rappahannock National Bank, and Bank of Williamsburg, which provide commercial banking services. The banks accept checking, savings, certificates of deposits, and other depository services, as well as offer loans for commercial, industrial, residential mortgage, and consumer purposes. These banks also issue credit cards and deliver automated teller machine services, and offer Internet banking access for banking services and online bill payment for both consumers and commercial companies. The company was founded in 1902 and is headquartered in Bowling Green, Virginia.


CAPITAL BANK CORPORATION (CBKN)

Capital Bank Corporation operates as the holding company for Capital Bank (bank). The bank provides commercial banking services to individuals and small to medium-size businesses in North Carolina. It offers a range of banking services, including checking accounts; savings accounts; NOW accounts; money market accounts; certificates of deposit; loans for real estate, construction, businesses, agriculture, personal uses, home improvement, and automobiles; equity lines of credit; credit loans; consumer loans; credit cards; individual retirement accounts; and safe deposit boxes. The bank also provides bank money orders; Internet banking; electronic funds transfer services, including wire transfers; traveler's checks; and various investments, as well as noninsured investment products and services to its customers. In addition, it invests in debt securities issued by U.S. government agencies and securities issued by Fannie Mae and Freddie Mac. As of June 30, 2005, the bank operated 21 banking offices in Raleigh, Sanford, Burlington, Asheville, Cary, Morrisville, Oxford, Wake Forest, Hickory, Greensboro, Graham, Pittsboro, and Siler City, North Carolina. The company is headquartered in Raleigh, North Carolina.


PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK)

Peoples Bancorp of North Carolina, Inc. operates as the holding company for Peoples Bank, which provides various banking services to individuals, and small to medium-sized businesses in Catawba Valley and surrounding communities in North Carolina. The bank accepts noninterest bearing demand deposits; NOW, MMDA, and savings deposits; and certificates of deposits. It also offers commercial, real estate mortgage, real estate construction, and consumer loans. In addition, the bank provides real estate appraisal and real estate brokerage services, as well as access to investment counseling and nondeposit investment products. It invests in obligations of United States government agencies and corporations, obligations of states and political subdivisions, mortgage backed securities, trust preferred securities, and equity securities. As of December 31, 2004, the bank had 16 offices located in Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, and Charlotte, North Carolina. The company was founded in 1912 and is based in Newton, North Carolina.


WESBANCO INC (WSBC)

WesBanco, Inc. operates as the holding company for WesBanco Bank, Inc., which provides retail and corporate banking services in the United States. It accepts demand deposits, money market accounts, savings deposits, and certificates of deposits, as well as offers commercial, commercial real estate, residential real estate, home equity, and consumer loans. WesBanco, through its nonbanking subsidiaries, offers property, casualty, and life insurance for personal and commercial clients, as well as personal and corporate trust and discount brokerage services. The company also serves as investment adviser to a family of mutual funds under the name of WesMark Funds. As of June 30, 2005 the bank operated 85 banking offices, 2 loan production offices, and 129 ATM machines in West Virginia, Ohio, and Western Pennsylvania. The company is headquartered in Wheeling, West Virginia.


ACCESS NATIONAL CORPORATION (ANCX)

Access National Corporation operates as the holding company for Access National Bank that provides commercial banking services primarily in northern Virginia region. The bank engages in generating deposits and originating loans. Its deposit products include money market accounts, savings accounts, and demand and time deposits. The bank's loan portfolio comprises commercial, commercial real estate, commercial and residential real estate construction, residential mortgage, home equity, and consumer loans. Access National Bank also offers commercial and industrial leasing services. The bank primarily invests in the U.S. treasury securities, the U.S. government agency securities, mortgage backed securities, municipal securities, CRA mutual fund, Federal Reserve, and Federal Home Loan Bank stock. Access National Corporation was founded in 1999 and is headquartered in Reston, Virginia.


PAB BANKSHARES INC (PABK)

PAB Bankshares, Inc. operates as the holding company for The Park Avenue Bank, which provides banking products and services to commercial and individual customers in Georgia and Florida. The bank offers demand, savings, and time deposits. It also provides loans to small- and medium-sized businesses; residential and commercial construction and development loans; commercial real estate loans; farmland and agricultural production loans; residential mortgage loans; home equity loans; and consumer loans. In addition, the bank offers Internet banking, online cash management, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, remote depository products, and a network of ATMs. Further, it provides securities brokerage and investment advisory services. As of March 31, 2007, the bank operated 20 branches and 3 loan production offices in Georgia and Florida. The company was founded in 1956 and is headquartered in Valdosta, Georgia.


SOUTHERN COMMUNITY FINANCIAL CORPORATION (SCMF)

Southern Community Financial Corporation operates as the holding company for Southern Community Bank and Trust (bank), which provides various financial services to individuals, businesses, and nonprofit organizations in North Carolina. The bank provides a range of deposit services, including noninterest-bearing checking accounts, interest-bearing checking and savings accounts, money market accounts, and certificates of deposit. Its lending products include residential and commercial mortgage loans, construction loans, short- to medium-term commercial and industrial loans, small business administration guaranteed loans, and personal loans. Southern Community Bank also offers automobile loans, and boat and recreational vehicle financing to individuals. In addition, the bank offers investment advisory, brokerage, trust, and insurance services, as well as online banking services. It invests in securities of the U.S. government agencies and municipals, as well as mortgage-backed securities. The bank operated 18 banking offices serving the Piedmont Triad region of North Carolina, as of December 31, 2004. Southern Community Financial was founded in 1996 and is headquartered in Winston-Salem, North Carolina.


CITIZENS & NORTHERN CORP (CZNC)

Citizens & Northern Corporation operates as the bank holding for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers in northcentral Pennsylvania. The bank offers various deposit products, including noninterest-bearing demand deposits, savings, money market, and interest checking accounts, as well as certificates of deposit. Its loan portfolio comprises real estate, mortgage, consumer, agricultural, commercial/industrial loans, and credit cards, as well as commercial letters-of-credit. The bank invests in the obligations of the U.S. Treasury, other U.S. government agencies, and state and political subdivisions, as well as in other securities and mortgage-backed securities. As of July 25, 2005, Citizens & Northern Bank operated 19 offices in Tioga, Bradford, Sullivan, and Lycoming counties. Citizens & Northern Corporation, through other subsidiaries, provides trust and financial management services, which include administration of trusts and estates, retirement plans, and other employee benefit plans, as well as investment management services. It also offers various personal and commercial insurance products. In addition, the company provides mutual funds, annuities, educational savings accounts, and other investment products through registered agents. Citizens & Northern Corporation is based in Wellsboro, Pennsylvania.


NATIONAL BANKSHARES INC (NKSH)

National Bankshares, Inc. operates as the holding company for The National Bank of Blacksburg and Bank of Tazewell County that provide commercial banking services in Virginia and West Virginia. The company engages in generating deposits and originating loans. Its deposit products include demand, savings, and time deposits, as well as certificates of deposit. The company's loan portfolio comprises commercial, real estate, industrial, and consumer loans. It also provides automatic funds transfer, collections, night depository, safe deposit, travelers' checks, savings bond sales, and utility payment services, as well as offers trust services. The company primarily invests in the U. S. Government obligations, equity mutual funds, and corporate bonds. National Bankshares also offers various insurance products and services. The company was formed in 1891 and is headquartered in Blacksburg, Virginia.


BOE FINANCIAL SERVICES OF VIRGINIA INC (BSXT)

BOE Financial Services of Virginia, Inc. operates as the holding company for Bank of Essex (bank). The bank provides commercial banking services and a range of financial services to individuals and small businesses in Virginia. It offers individual and commercial demand and time deposit accounts; commercial, residential, and consumer loans; travelers' checks; safe deposit box facilities; investment services; and fixed rate residential mortgages. The bank also offers title insurance to its mortgage loan customers, as well as provides insurance products and investment products. As of December 31, 2004, the bank operated six offices in Virginia. The company is headquartered in Tappahannock, Virginia.


ECB BANCORP INC (ECBE)

ECB Bancorp, Inc. operates as the holding company for The East Carolina Bank that offers general, community-oriented commercial and consumer banking services in North Carolina. The bank accepts various deposits and makes consumer and commercial loans. Its deposit services include business and individual checking accounts, savings accounts, negotiable order of withdrawal accounts, certificates of deposit, and money market checking accounts. Its loan products include term and installment loans, equity lines of credit, and overdraft checking credit to individuals and small- and medium-sized businesses for various personal and business purposes. As of March 31, 2005, it operated 20 branches serving eastern North Carolina, including the communities of Engelhard, Swan Quarter, Columbia, Creswell, Fairfield, Nags Head, Manteo, Southern Shores, Currituck, Avon, Hatteras, Ocracoke, Washington, Greenville, New Bern, Hertford, Williamston, Morehead City, and Wilmington. ECB Bancorp was founded in 1919 and is headquartered in Engelhard, North Carolina.


BANK OF FLORIDA CORPORATION (BOFL)

Bancshares of Florida, Inc. operates as the holding company for Bank of Florida, N.A., Bank of FloridaSouthwest, and Bank of Florida-Tampa Bay. It provides commercial banking services to businesses, professionals, and entrepreneurs in the state of Florida. The company offers a range of interest bearing and noninterest bearing accounts, including commercial and retail checking accounts, money market accounts, individual retirement accounts, regular interest bearing statement savings accounts, and certificates of deposit. Its lending products include commercial loans, real estate loans, home equity loans and consumer/installment loans. In addition, Bancshares of Florida provides consumer services, such as U.S. Savings Bonds, traveler's checks, cashiers checks, safe deposit boxes, bank-by-mail services, direct deposit, online banking, and automatic teller services, as well as offers specialized services, including cash management, expanded online banking, lock box, and door-to-door banking. The company also offers wealth management services, including fiduciary services, and investment consulting and advisory services. It primarily operates in Collier and Lee Counties on the southwest coast of Florida; Broward, northern Miami-Dade, and Palm Beach Counties on the southeast coast; and Hillsborough and Pinellas Counties on the west coast of Florida. Bancshares of Florida was incorporated in 1998 and is headquartered in Naples, Florida.


FIDELITY SOUTHERN CORPORATION (LION)

Fidelity Southern Corporation (FSC) operates as the holding company for Fidelity Bank (bank), which provides various banking and financial services in Georgia. The bank offers demand, savings, money market, and time deposits, as well as originates consumer loans, such as direct and indirect automobile, home equity and personal loans, secured and unsecured installment, construction and residential real estate, and commercial loans, including commercial loans secured by real estate for small and medium sized businesses. The bank also offers trust and merchant services, credit card loans through agency relationships, and international trade services, such as letters of credit, foreign currency drafts, foreign and documentary collections, export finance, and international wire transfers. In addition, it offers brokerage, Internet banking, and cash management services. The company conducts its activities primarily through 19 branches in Fulton, DeKalb, Cobb, Clayton, and Gwinnett counties in Georgia. FSC also invests in the obligations of the U.S. treasury; agencies of the U.S. Government, including mortgage backed securities; and other investments. The company was organized in 1973 and is headquartered in Atlanta, Georgia.


SOUTHERN NATIONAL BANCORP OF VIRGINIA INC (SONA)

Southern National Bancorp of Virginia, Inc. operates as the holding company of Sonabank, N. A., which provides community and commercial banking services to corporate and retail clients in Virginia, Maryland, West Virginia, and Washington D.C. It accepts various deposit products, including time deposits, non-interest-bearing and interest-bearing checking accounts, commercial checking accounts, negotiable on withdrawal accounts, money market accounts, savings accounts, demand deposits, and certificate of deposits. The company offers commercial mortgage and non-mortgage loans, including commercial real estate loans, construction to permanent loans, development and builder loans, accounts receivable financing, lines of credit, revolving credit facilities, demand loans, term loans, small business administration loans, stand-by letters of credit, unsecured loans, equipment and vehicle loans, leasing, and commercial overdraft protection. It also provides residential mortgage loans secured by single-family homes and single family residential construction loans, as well as secured and unsecured consumer loans primarily for personal, family, or household purposes. In addition, the company offers cash management services, including investment/sweep accounts, wire transfer services, employer services/payroll processing services, zero balance accounts, night depository services, Web lockbox services, depository transfers, merchant services, ACH originations, business debit cards, and controlled disbursement accounts. As of April 2007, it operated six branch offices in Warrenton, Charlottesville, Clifton Forge, Reston, McLean, and Fairfax in Virginia. The company was founded in 2004 and is headquartered in Charlottesville, Virginia.


VIRGINIA FINANCIAL GROUP INC (VFGI)

Virginia Financial Group, Inc. operates as the holding company for Planters Bank & Trust Company of Virginia, Second Bank & Trust, Virginia Heartland Bank, and Virginia Commonwealth Trust Company, which provide community banking services in central and southwest Virginia. The company offers individual and commercial demand and time deposit accounts. Its loan portfolio comprises commercial and consumer loans, and residential mortgages. The company also provides a network of automated transaction locations, phone banking, credit cards, Internet banking, and online bill payment services for individual and commercial customers. In addition, Virginia Financial Group provides various wealth management and personal trust services, including estate administration, employee benefit plan administration, and investment and financial management planning. It invests in the U.S. treasury securities, federal agencies obligations, collateralized mortgage obligations, mortgage backed securities, state and municipal obligations, corporate bonds, total fixed income securities, equity securities, and other securities. As of September 30, 2005, Virginia Financial Group operated 35 branches in central, south central, and southwest Virginia. The company was founded in 1911 and is headquartered in Culpeper, Virginia.


CRESCENT FINANCIAL CORPORATION (CRFN)

Crescent Financial Corporation operates as the holding company for Crescent State Bank (CSB), which provides banking services to individuals and small to medium-sized businesses primarily in North Carolina. The bank offers various deposit products, including small business and personal checking accounts, savings accounts, and certificates of deposit. Its loan products include commercial, consumer, and personal loans; home equity and mortgage loans; and construction loans. As of June 30, 2005, the bank operated nine full service banking offices. CSB primarily invests in the United States government securities and obligations of government agencies, mortgage-backed securities, and municipal securities. The company was formed in 1998 and is headquartered in Cary, North Carolina.


EAGLE BANCORP INC (EGBN)

Eagle Bancorp, Inc. operates as the holding company for EagleBank, which provides general commercial and consumer banking services to individuals, and business and professional customers primarily in Montgomery County, Maryland and Washington, the District of Columbia. The bank accepts business and personal checking accounts, NOW accounts, savings accounts, demand deposits, money market accounts, certificates of deposits, and time deposits. It also offers business and construction loans; commercial loans for working capital, equipment purchases, real estate, lines of credit, and government contract financing; lease financing for business equipment; residential mortgage and SBA loans; home equity lines; consumer installment loans, including automobile and personal loans, and personal lines of credit; and credit card services. In addition, the bank provides cash management services, such as PC banking, sweep accounts, lock box, account reconciliation, credit card depository, title insurance, safety deposit boxes, automated clearing house origination, and ATM services. Its investment portfolio comprises U.S. Government agency securities, mortgage-backed securities, Federal Reserve and Federal Home Loan Bank stock, and other equity investments. As of September 30, 2005, the bank had five offices serving Montgomery County and three offices in the District of Columbia. The company was organized in 1997 and is headquartered in Bethesda, Maryland.


WACCAMAW BANKSHARES INC (WBNK)

Waccamaw Bankshares, Inc. operates as the holding company for Waccamaw Bank, which provides commercial banking services in Columbus, Brunswick, and New Hanover counties of North Carolina. The bank accepts demand accounts, as well as money market, savings, and time deposits. It also offers commercial loans; loans for real estate construction and land development; one- to four-family residential loans, multifamily residential loans; farmland, nonfarm and nonresidential, and agricultural loans; and consumer loans. The bank invests in U.S. government agency securities, mortgage-backed securities, corporate securities, municipal securities, and equity securities. As of December 31, 2004, the bank had three banking offices serving Columbus County, two banking offices serving Brunswick County, and one banking office serving New Hanover County, North Carolina. The company was formed in 1997 and is based in Whiteville, North Carolina.


UNITED COMMUNITY BANKS INC (UCBI)

United Community Banks, Inc., through its wholly owned subsidiaries, offers various retail and corporate banking services in the United States. It offers checking, savings, and time deposit accounts; wire transfers; brokerage services; and other financial services. The company also provides secured and unsecured loans, including first and second real estate mortgage loans to individuals, firms, and corporation, as well as makes direct installment loans to consumers on both a secured and unsecured basis. It also provides retail brokerage services through an affiliation with a third party broker/dealer. In addition, the company, through its nonbank subsidiary, Brintech, Inc., provides professional services to the financial services industry, including consulting, advisory, and implementation services in the areas of strategic planning, profitability improvement, technology, efficiency, security, risk management, network, Internet banking, Web site development, marketing, core processing, and telecommunications. Its investment portfolio consists of U.S. Treasuries and U.S. Government and agency securities, municipal securities, and U.S. Government agency sponsored mortgage-backed securities. As of December 31, 2004, the company had operations in 83 locations in north Georgia, coastal Georgia, metropolitan Atlanta, western North Carolina, and east Tennessee. United Community Banks, Inc. was founded in 1950 and is based in Blairsville, Georgia.


BANK OF GRANITE CORPORATION (GRAN)

Bank of Granite Corporation operates as the bank holding company for Bank of Granite and Granite Mortgage, Inc. The Bank of Granite accepts demand and time deposits, as well as makes loans, secured and unsecured, to individuals, associations, partnerships, and corporations. As of June 30, 2005, the bank operated 21 banking offices in Caldwell, Catawba, Burke, Watauga, Wilkes, Mecklenburg, and Forsyth counties in North Carolina. The Granite Mortgage originates and underwrites mortgage loans to individuals. It also sells mortgage servicing rights and appraisal services. The company's mortgage loan products include fixed-rate and adjustable-rate government and conventional loans for the purpose of constructing, purchasing, or refinancing owner-occupied properties. As of December 31, 2004, it operated 13 offices in the central and southern Piedmont and Catawba Valley regions of North Carolina, and in Hilton Head Island, South Carolina. Bank of Granite Corporation is based in Granite Falls, North Carolina.


CAROLINA BANK HOLDINGS INC (CLBH)

Carolina Bank Holdings, Inc. operates as the bank holding company for Carolina Bank that provides traditional, commercial, and consumer banking services to individuals and small to medium-sized businesses in Guilford and Randolph Counties, North Carolina. Its services include personal and commercial checking and savings accounts, money market accounts, certificates of deposit, individual retirement accounts, and related business and individual banking services. The bank's lending activities include commercial loans to small-to-medium sized businesses, and various consumer-type loans to individuals, including installment loans, credit card products, mortgage loans, and equity lines of credit. Its primary service area consists of the cities and the areas immediately surrounding of Greensboro and Asheboro, located in Guilford and Randolph Counties, North Carolina. As of December 31, 2004, the bank operated through its main office and three branch offices. The company was incorporated in 1996 and is based in Greensboro, North Carolina.


VIRGINIA COMMERCE BANCORP (VCBI)

Virginia Commerce Bancorp, Inc. operates as the holding company for Virginia Commerce Bank (bank), which offers a range of business and consumer banking services. The bank provides deposit services, including NOW accounts, money market accounts, savings accounts, and time deposits; and an array of lending services, such as commercial loans, commercial real estate loans, lines of credit, equipment financing, construction loans, letters of credit, and residential mortgages. It also offers other services, such as electronic funds transfer services, lock-box services, PC banking, and lines of credit for working capital. As of September 30, 2005, the bank operated 18 branch offices, 2 residential mortgage offices, and 1 investment services office in the Northern Virginia suburbs of Washington, D.C. Its customer base primarily consists of individuals and small-to-medium sized businesses. Virginia Commerce was founded in 1988 and is headquartered in Arlington, Virginia.


OMNI FINANCIAL SERVICES INC (OFSI)

Omni Financial Services, Inc. operates as the holding company for Omni National Bank, which provides an array of financial products and services primarily in Atlanta, Georgia; Chicago, Illinois; Tampa, Florida; Fayetteville, North Carolina; Birmingham, Alabama; Philadelphia, Pennsylvania; and Dallas, Texas markets. The bank offers various financial products and services, including specialized services, such as community redevelopment lending, small business lending and equipment leasing, residential construction lending, consumer lending, warehouse lending, and asset-based lending. It provides commercial and residential real estate loans, construction loans, commercial and industrial loans, and consumer loans. The bank's deposit products and services comprise checking accounts; commercial accounts; savings accounts; and other time deposits of various types, ranging from daily money market accounts to long-term certificates of deposit. It also offers a range of other bank services including safe deposit boxes, traveler's checks, direct deposit, United States Savings Bonds, banking by mail, debit and credit card transactions, sales of checks, and wire transfers, as well as ATMs. As of April 27, 2007, the bank had one full-service banking location in Atlanta, Georgia; one in Dalton, Georgia; five in North Carolina; one in Chicago, Illinois; and one in Tampa, Florida. It also had loan production offices in Charlotte, North Carolina; Dalton, Georgia; Birmingham, Alabama; Philadelphia, Pennsylvania; and Dallas, Texas. The company was founded in 1976 and is headquartered in Atlanta, Georgia.


FIRST COMMUNITY BANK CORPORATION OF AMERICA (FCFL)

First Community Bank Corporation of America operates as the holding company for First Community Bank of America, which provides various banking services primarily in Florida. The bank accepts commercial and retail checking accounts, money market accounts, sweep accounts, cash management accounts, individual retirement accounts, savings accounts, time deposits, and certificates of deposit. It also offers commercial loans, including term loans with variable interest rates secured by equipment, inventory, receivables, and real estate, as well as secured and unsecured working capital lines of credit; commercial real estate loans; commercial real estate loans; residential real estate loans; and consumer and installment loans, such as automobile and boat loans. In addition, the bank provides cash management services; telephone banking; safe deposit boxes; traveler's checks; direct deposit of payroll and social security checks; deposit pick up for commercial customers; online banking/bill payment services; wire transfers and ACH services; automatic drafts for various accounts; 1031 exchange services; certificate of deposit account registry service debit cards; and VISA and MasterCard credit card services. It invests in U.S. treasury securities, U.S. government agency securities, mortgage backed securities, and collateralized mortgage obligations. As of June 30, 2005, the bank operated three banking offices located in Pinellas County and one banking office located in Charlotte County and Hillsborough County, Florida. The company was founded in 1985 and is headquartered in Pinellas Park, Florida.


THE BANCORP INC (TBBK)

The Bancorp, Inc. operates as the holding company for The Bancorp Bank, which delivers financial services and products both directly and through private-label affinity partner programs in the United States. It provides a range of retail and commercial banking services, including checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. The bank's business lending services focus on secured loans and lines of credit, construction loans, and customized equipment and vehicle leasing programs. Its consumer lending services focus on home equity loans, personal and home equity lines of credit, personal installment loans, and vehicle leasing. The bank, through Philadelphia Private Bank, its regional community bank division, serves the needs of small and mid-size businesses and their principals in the Philadelphia-Wilmington region. The company is based in Wilmington, Delaware.


AMERIS BANCORP (ABCB)

Ameris Bancorp, a bank holding company, offers various retail and commercial banking services in Georgia, Florida, and Alabama. The company provides a range of deposit products, including checking, savings, NOW, money market, time deposit accounts, and individual retirement accounts. Its lending activities include provision of real estate-related loans, agriculture-related loans, commercial and financial loans, and consumer installment loans to corporations, partnerships, and individuals. Ameris Bancorp also offers Internet banking, letters of credit, brokerage services, fixed rate annuities, safe deposit box rentals, bank official checks, electronic funds transfer, automated teller machines, credit and debit cards, and overdraft protection services. The company's investment portfolio consists of the U. S. Government and federal agencies securities; state and municipal securities; corporate debt securities; mortgage-backed securities; and marketable equity securities. In addition, Ameris Bancorp provides trust services to its customers. As of September 30, 2005, the company operated 37 branches. Ameris Bancorp was formed in 1971. The company was formerly known as ABC Bancorp and changed its name to Ameris Bancorp in December 2005. Ameris Bancorp is headquartered in Moultrie, Georgia.


HABERSHAM BANCORP (HABC)

Habersham Bancorp operates as the holding company for Habersham Bank that provides commercial banking services in Georgia. The bank engages in generating deposits and originating loans. Its deposit products include checking, savings, money market, and time deposits, as well as individual retirement accounts and negotiable order of withdrawal accounts. The bank's loan portfolio comprises commercial, financial, agricultural, real estate, and installment loans. In addition, it offers a line of property, casualty, and life insurance products, as well as provides safe deposit facilities. The bank primarily invests in the obligations of the U.S. Treasury and government agencies, and state and political subdivisions. As of December 31, 2004, it operated eight branches in Georgia. The company was formed in 1904 and is headquartered in Cornelia, Georgia.


TIB FINANCIAL CORPORATION (TIBB)

TIB Financial Corp. operates as the holding company for TIB Bank, which provides commercial and retail banking and financial services primarily in Florida. The bank accepts checking, interest-bearing checking, money market, savings, NOW, certificates of deposit, and individual retirement accounts. It provides commercial loans, including commercial real estate; acquisition, development, and construction loans; loans on income-producing properties; short-term working capital loans; loans on inventory and receivable facilities; and equipment loans. The bank also offers consumer loans that include residential real estate, installment loans, home equity lines, and indirect auto dealer loans. Further, it provides debit cards; nondeposit investment products, such as variable and fixed rate annuities, and mutual funds and annuities; Internet banking; and electronic bill payment services. The bank invests in U.S. treasury securities, securities of U.S. government agencies and corporations, obligations of states and political subdivisions, marketable equity securities, and mortgage-backed securities. As of September 30, 2005, the bank had 16 branches located in Monroe, Miami-Dade, Collier, and Lee counties, Florida. The company was founded in 1973 and is headquartered in Naples, Florida.


SEACOAST BANKING CORPORATION OF FLORIDA (SBCF)

Seacoast Banking Corporation of Florida operates as the holding company for First National Bank and Trust Company of the Treasure Coast, which provides consumer, commercial, and retail banking services. The bank accepts NOW, saving, money market, certificates of deposits, and demand deposits. It also offers construction and land development, residential real estate, commercial real estate loans, and installment loans to individuals. In addition, the bank provides various trust and asset management services, internet banking, as well as securities and annuity products. As of December 31, 2004, the bank operated five banking offices in Stuart, two in Palm City, two in Jensen Beach, one on Hutchinson Island, one in Hobe Sound, five in Vero Beach, two in Sebastian, five in Port St. Lucie, two in Ft. Pierce, and four in northern Palm Beach County, and a loan production office in Brevard County in Florida. Seacoast was founded in 1926 and is headquartered in Stuart, Florida.


SEVERN BANCORP INC (SVBI)

Severn Bancorp, Inc. operates as the holding company for The Bank that provides commercial banking services in primarily in Maryland, Delaware, and northern Virginia. The bank engages in generating deposits and originating loans. Its deposit products include money market accounts, passbooks, certificates of deposit, and negotiable order of withdrawal accounts. The bank's loan portfolio comprises residential mortgage, construction, commercial, home equity, consumer, and lines of credit. It also offers title insurance and real estate settlement services. The bank primarily invests in FHLB notes and mortgage-backed securities. As of June 30, 2005, it operated 3 branches in Anne Arundel County, Maryland. Severn Bancorp, through other subsidiaries, provides real estate brokerage and property management services. The company was formed in 1946 and is based in Annapolis, Maryland.


GB&T BANCSHARES (GBTB)

GB&T Bancshares, Inc., through its subsidiaries, provides commercial banking services in Georgia. It accepts checking, money market, savings, and certificates of deposit accounts. The company's loan portfolio comprises real estate, consumer, and commercial loans. It also provides drive-up and night depository facilities, 24-hour automated teller machines, Internet banking, telephone banking, and trust services. The company primarily invests in the obligations of the U.S. government and agency securities, state and municipal securities, mortgage-backed securities, and other securities. As of December 31, 2004, it operated 25 branches in Hall, Polk, Paulding, Cobb, Carroll, Baldwin, Bartow, Putnam, Clarke, Oconee, and Lumpkin Counties, Georgia. The company was founded in 1987 and is headquartered in Gainesville, Georgia.


FIRST MARINER BANCORP (FMAR)

First Mariner Bancorp operates as the holding company for First Mariner Bank that provides commercial, retail, and mortgage banking services in Maryland. The bank engages in generating deposits and originating loans. Its deposit products include checking, passbook, savings, money market, and negotiable order of withdrawal accounts, as well as certificates of deposit. The bank's loan portfolio comprises residential and commercial mortgage loans; real estate development and construction loans; commercial loans, including working capital loans, lines of credit, and equipment, inventory, and accounts receivable financing; consumer loans, including home equity lines of credit, fixed rate second mortgages, new and used auto loans, new and used boat loans, overdraft protection, and unsecured personal credit lines; and demand, term, and time loans. First Mariner Bank also originates and sells residential mortgage loans. In addition, the bank provides debit cards, money transfer services, nondeposit investment products, and Internet banking services and electronic bill payment services. The bank primarily invests in the obligations of treasury notes and the U.S. government agency securities, and other securities. First Mariner Bancorp, through its other subsidiaries, engages in consumer finance activities, including small direct cash loans to individuals; purchase of installment loan sales contracts from local merchants and retail dealers of consumer goods; and loans to individuals through direct mail solicitations. As of December 31, 2004, First Mariner Bank operated 24 bank branches, 14 mortgage loan offices, and 17 consumer finance offices, as well as approximately 188 automated teller machines (ATMs), which included 51 company owned ATMs. The company was formerly known as MarylandsBank Corp. and changed its name to First Mariner Bancorp in 1995. First Mariner Bancorp is headquartered in Baltimore, Maryland.


INTEGRITY BANCSHARES INC (ITYC)

Integrity Bancshares, Inc. operates as the holding company for Integrity Bank that offers commercial banking services in Georgia. The bank engages in the generation of deposits and origination of loans. Its deposit products include noninterest bearing demand accounts, interest bearing transaction accounts, time deposits, savings deposits, NOW accounts, and money market deposits. The bank offers residential construction and development loans; commercial and residential real estate loans; commercial and industrial loans; and consumer loans, including open and closed end home equity loans, vehicle financing, loans secured by deposits, overdraft protection lines, and secured and unsecured personal loans. As of December 31, 2006, the bank operated four branch offices and a loan production office. Integrity Bancshares was founded in 1999 and is headquartered in Alpharetta, Georgia.