Tri City Bankshares Corporation is a bank holding company. Tri City National Bank (the Bank) is the wholly owned subsidiary of the Company. The Bank provides a range of consumer and commercial banking services to individuals and businesses. The services offered include demand deposit accounts, money market deposit accounts, negotiable order of withdrawal (NOW) accounts, time deposits, safe deposit services, direct deposits, notary services, money orders, night depository, travelers� checks, cashier�s checks, savings bonds and secured and unsecured consumer, commercial, installment, real estate and mortgage loans. The Bank offers automated teller machine (ATM) services and debit cards. In addition, the Bank maintains an investment portfolio consisting primarily of United States government sponsored agency and state and political subdivision securities.