Uwharrie Capital Corp is a bank holding company for Uwharrie Bank (the Bank), a North Carolina commercial bank, and its three wholly owned subsidiaries, The Strategic Alliance Corporation (Strategic Alliance), BOS Agency, Inc (BOS Agency) and Gateway Mortgage, Inc., a mortgage brokerage company. The Company also owns two non-bank subsidiaries, Strategic Investment Advisors, Inc. and Uwharrie Mortgage, Inc. The Bank�s operations are primarily retail oriented and directed to individuals and businesses. The Bank provides traditional 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 include commercial loans and various consumer-type loans to individuals, including installment loans, mortgage loans, equity lines of credit and overdraft checking credit.