Citizens Bancorp of Virginia, Inc. is a one-bank holding company. The Company has one subsidiary, Citizens Bank and Trust Company (the Bank). The Bank conducts the general business of a commercial bank. The Company has six loan portfolio, which include Residential real estate loans, Commercial real estate loans, Farmland loans, Construction and land development loans, Commercial and industrial loans, and Consumer loans. The Bank offers traditional lending and deposit products to businesses and individuals. The Company�s borrowings include commercial customer deposit balances.