Citizens Bancorp of Virginia, Inc. is the one-bank holding company of Citizens Bank and Trust Company (the Bank). Citizens Bank and Trust Company is an independent bank in Virginia. The Bank conducts the business of a commercial bank. The Bank offers traditional lending and deposit products to businesses and individuals. It has approximately 10 offices in the Counties of Amelia, Chesterfield, Nottoway and Prince Edward, along with a branch in the city of Colonial Heights and one in the Town of South Hill, Virginia. Its personal banking products include checking, savings and money market accounts, certificates of deposit and individual retirement account (IRA) and telephone banking. Its business banking checking products include small business advantage checking, commercial checking, non-profit checking, business checking, business plus checking, estate regular checking and estate check plus. It also offers business money market business advantage money market accounts.