Valley Financial Corporation, is a bank holding company for Valley Bank (the Bank). The Bank is engaged in the business of commercial banking offering services to the small-to-medium sized businesses, professional concerns and individuals. The Bank�s primary service area is the Roanoke Metropolitan Statistical Area (the Roanoke MSA). The Company�s wholly owned subsidiaries include Valley Financial (VA) Statutory Trust I, VB Investments, LLC, Valley Financial (VA) Statutory Trust II, Valley Financial (VA) Statutory Trust III and VB Land, LLC.The Bank offers a range of deposit services, including checking accounts, negotiable order of withdrawal (NOW) accounts, savings accounts and other time deposits of various types, including daily money market accounts and longer-term certificates of deposit.