American National Bank and Trust Company

M&F Bancorp, headquartered in Durham, N.C., is the holding company for Mechanics and Farmers Bank. It is a state-chartered commercial bank, established in 1907 under the authority of a charter issued by the legislature of the state of North Carolina. The bank provides a wide range of services, including online banking, personal and business banking, financial literacy, and mortgage, wealth management and trust services. M&F Bancorp offers a variety of bank products, such as credit cards, commercial bank offering business and consumer loans, checking accounts, certificates of deposit, money market investment and savings accounts, and Internet banking. M&F Bancorp operates more than 10 branch offices throughout North Carolina.

Banknote Corporation of America (BCA) is a division of Sennett Security Products. It is one of the largest high security printers in the United States. The firm has the capability to enhance every document with machine readable features, such as MICR (Magnetic Ink Character Recognition), OCR (Optical Character Recognition) numbering, innovative bar coding technology and holograms. Located in Chantilly, Va., it operates a manufacturing plant in North Carolina that offers the latest generation of automated quality control and accountability systems. Banknote Corporation of America utilizes varied techniques, such as proprietary anticopy features, latent images and microline printing in its designs to customize the client s security documents.

Pinnacle Bankshares Corporation is a one-bank holding company that was organized in 1997. It conducts all of its business activities through the branch offices of its wholly owned subsidiary bank, the First National Bank of Altavista, Va. The bank was organized in 1908 to provide services to commercial and agricultural businesses and individuals in the Altavista area. With an emphasis on personal service, the bank offers a broad range of commercial and retail banking products and services, including checking, savings and time deposits, individual retirement accounts, merchant bankcard processing, residential and commercial mortgages, home equity loans, consumer installment loans, agricultural loans, investment loans, small business loans, commercial lines of credit and letters of credit. At the end of 2005, Pinnacle Bankshares had nearly $250 million in assets. It has several branch offices in Lynchburg, Forest and Moneta, Va., as well as Altavista.