Carolina Bank Holdings, Inc. is a bank holding company of the Carolina Bank. The bank engages in a general banking business in Guilford, Alamance, Randolph and Forsyth Counties, North Carolina. Its operations are primarily commercially oriented and directed to individuals and small to medium-sized businesses. The bank provides commercial and consumer banking services, including 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 are in commercial lending to small-to-medium sized businesses. The bank�s mortgage loan division provides residential loans banks and to sell these loans to institutional investors.