Central Virginia Bankshares, Inc. owns Central Virginia Bank (the Bank). The Company engages in a general community and commercial banking business, targeting the banking needs of individuals and small to medium sized businesses in its primary service area. It offers loan and deposit banking services, as well as newer services, such as Internet banking, telephone banking, debit cards, and other ancillary services, such as the sales of non-deposit investment products through a partnership with Infinex, Inc. It makes term loans, both alone and in conjunction with other banks or governmental agencies. It also offers other related services, such as automated teller machines (ATMs), travelers� checks, safe deposit boxes, deposit transfer, notary public, escrow, drive-in facilities and other customary banking services. The Company�s primary service areas are Powhatan and Cumberland Counties, western Chesterfield and western Henrico Counties.