David Bradley

The Group's principal activity is to provide banking and non-banking financial services. It is a bank holding company, which operates through its two wholly-owned bank subsidiaries, The Adams National Bank and Consolidated Bank & Trust Company. The Commercial banking services include commercial real estate and commercial business loans, cash management services, letter of credit and collateral repurchase agreements. The Retail banking services include consumer loans and a variety of deposit account products including transaction accounts, money market, certificates of deposits and individual retirement accounts. The Group also offers traditional on-line banking services and 24 hour telephone banking. The customers of the Group include individuals, not-for-profit, and commercial enterprises. The Group has eight branch locations.