Citizens Bancorp of Virginia, Inc. is a bank holding company for Citizens Bank and Trust Company (the Bank). The Bank conducts and transacts the general business of a commercial bank. The Bank�s primary activity is retail and commercial banking that includes commercial and consumer demand and time deposit accounts, real estate, commercial and consumer loans, online Internet banking, around-the-clock automated teller machine (ATM) network, brokerage services, safe deposit boxes, wire transfer services and other miscellaneous services incidental to the operation of a commercial bank. The Bank also acts as an agent for Visa. The Bank�s primary trade areas are served by its 11 banking offices located in the counties of Nottoway, Amelia, Prince Edward, Chesterfield, the City of Colonial Heights, and the Town of South Hill, Virginia.