Your Community & YOUR HOMETOWN BANK

We’re the only bank headquartered in Newport News and as local bankers, we’re ready to serve you with all the banking services you’ll need – from mortgage loans to checking accounts – all delivered with our special kind of hometown service and fast, local decision making.

Switch now to a bank that is committed to putting all its resources to work right here in our community.

Serving the

Entire Community

NEWPORT NEWS HAMPTON WI LLIAMSBURG

LOOKFOR THESENEWOFFICES… OPE NING IN EARLY 2003 YORKTOWN 6515 George Washington Memorial Hwy.

PORT WARWICK

In the Arbors on Styron Square TMs

ATMS at all of our Branch Locations and at 10 Area Food Lions, plus in Food Lions on the Outer Banks

President James L. Eason Hampton

Roads Partnership

“By keeping our efforts focused, we will be a strong competitive force in the global community.”

Mayor Mamie Locke Hampton

“Hampton’s Strategic Plan commits to a healthy business environment, a well-educated and strong workforce and a competitive region.”

Mayor William E. Ward Chesapeake

“National and international businesses are taking serious notice… Our location…places two-thirds of the country’s population within 750 miles.”

NChairman Burton M. Bland Gloucester

“Gloucester County will continue its economic growth during 2003 and will remain the retail shopping center for the Middle Peninsula and the lower Northern Neck.” avigating the waves of change and growth is an undaunted quest of the many visionaries helping to chart the course of regionalism, steering Hampton Roads into harbors of opportunity in commerce, industry, technology and a superior quality of life.

According to Admiral Harry D. Train II, USN (Ret.), treasurer and past president of The Future of Hampton Roads Inc. and an early visionary, the Port of Hampton Roads, from which the region of Hampton Roads derives its name, is technically the water area created by the James, Nansemond, Elizabeth and Lafayette Rivers. It includes the waterfront facilities at Newport News, Portsmouth and Norfolk. Hampton, however, also has limited facilities, as does Chesapeake.

Admiral Train sees Hampton Roads, the metropolitan statistical area comprised of ten cities (Chesapeake, Franklin, Hampton, Newport News, Norfolk, Poquoson, Portsmouth, Suffolk, Virginia Beach and Williamsburg) and seven counties (Gloucester, Isle of Wight, James City, Mathews, Southampton, Surry and York), as a dynamic force of more than 1.5 million people “working together to exploit a regional approach to planning and development, without sacrificing the strengths and the attractions of the individual communities.”

Another visionary at the helm of regional cooperation is James L. Eason, president of the two-year-old Hampton Roads Partnership and former mayor of Hampton. He, along with the group’s broad membership of public- and private-sector leaders, is boosting the region’s identity as a prime package of superlative features, including the world’s largest natural harbor,

Chairman Robert C. Claud Isle of Wight

“Isle of Wight County has a pro-business environment and your business is always welcome.”

Chairman Jay Harrison James City County

“James City County has and continues to collaborate with groups, like the Hampton Roads Planning District and Peninsula Alliance for Economic Development, to provide regional leadership in assuring that our planning and decisions promote the proper provision of the necessary infrastructure for a diverse economy in the peninsula and all the Hampton Roads.”

Mayor Joe S. Frank

Newport News

“The HamptonRoads Partnership is drawing localities together… The private sector thrives when the public sector improves itself.”

Mayor Paul D. Fraim Norfolk

“…under the HamptonRoads regional umbrella, we have been able to capture a new market of professionals and businesses… eager to invest…”

Mayor Gordon C. Helsel, Jr. Poquoson

“The coming together of local governments, the military and private businesses…main force behind the economic awakening.” the nation’s 27th largest market, the birthplace of the original 13 colonies, a strong and enlightened economy, and a stable and educated workforce. Furthermore, we offer high-tech learning and research facilities, an excellent infrastructure and transportation network, a mild climate, and an abundance of cultural and recreational activities, everything from world-class opera to world-class roller coasters!

Our regional cohesiveness is the “glue” that comes from cooperation among our elected officials, private citizens, business leaders and military community, working to achieve a common bond that gives internal strength and renewed vigor to each individual locality, as it joins with others into the larger fleet of economic and cultural diversity, abundance and power. We are focusing on the combined synergy of a broad-based industrious workforce, creative and dedicated entrepreneurs, progressive and accountable politicians, and a caring community, concerned with the physical, emotional and spiritual health of its citizens. With this collaboration of resources, Hampton Roads is destined to be the paradigm for regional planning in the 21st century — a model that celebrates and capitalizes on our interdependence, as we navigate the waters of regionalism toward a quality of life, work and play second to none.

Mayor Meyera E. Oberndorf Virginia Beach

“We also have a fabulous quality of life, which is often the final factor that influences decision makers to choose this region over all others.”

Mayor James W. Holley, III Portsmouth

“Hampton Roads communities are cooperating on more and more ventures… Each city is working hard to create a pro-business climate…”

“Suffolk’s pro-business commitment continues to encourage new businesses to relocate and existing businesses to expand.”

Mayor Jeanne Zeidler Williamsburg

“As our already exceptional schools, transportation networks, streets, public safety services, and recreational opportunities are continually improved, the quality of life creates new and creative opportunities.”

Chairman James S. Burgett York County

“Our commitment to support both new and existing local businesses, has created a very positive and robust local economy.”