virginia national bank opened in charlottesville, virginia in july 1998 with more than 900 local shareholders. as a true community bank, we not only meet the needs of our community, but we are also a part of its growth. since opening in the heart of downtown charlottesville, we have opened other offices in charlottesville, orange, and winchester, virginia. the vnb story continues to unfold. as we continue to grow, we will never lose sight of the critical ingredients to our continued success. exceptional service begins and ends with people. that's why we say, "it's all about people...and always will be."