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Cornerstone Bancorp has laid the groundwork for three banking branches in northwestern South Carolina. The institution is the holding company for Cornerstone National Bank, which offers traditional products and services, including checking and savings accounts, money market accounts, CDs, and credit cards. Commercial real estate loans comprise the largest portion of its lending portfolio; other offerings include residential mortgages, business and industrial loans, real estate construction, and consumer loans. Cornerstone National Bank has three offices in Easley, Greenville, and Powdersville, South Carolina. Cornerstone Bancorp also has an insurance agency that operates as Crescent Financial Services.

Crescent Financial is the holding company for Crescent State Bank, which operates some 15 branches in central North Carolina. The community bank offers standard products and services, including checking and savings accounts, certificates of deposit, and credit cards. Commercial mortgages make up about half of its loan portfolio; construction loans make up more than a quarter. The company, which was founded in 1998, also writes business loans, home equity loans, and residential mortgages. Its Crescent Investment Services division offers financial planning products and services, including retirement plans, mutual funds, insurance, and other investments.

Eagle Bancorp would recommend its community-oriented EagleBank subsidiary. The bank serves businesses and individuals through more than a dozen branches in Washington, DC, and its suburbs. Deposit products include checking, savings, and money market accounts; certificates of deposit; and IRAs. Commercial, residential, and construction real estate loans combined represent about 70% of its loan portfolio. The bank, which has significant expertise as a Small Business Administration lender, also writes business, consumer, and home equity loans.

ECB Bancorp Enjoys Community Banking. The holding company owns The East Carolina Bank, which serves individuals, small to midsized businesses, and local governments through about 25 branches in eastern North Carolina and the Outer Banks. The bank, which opened in a barbershop in 1920, provides checking, savings, money market, NOW, and individual retirement accounts, plus certificates of deposit. It mainly originates real estate loans (approximately 80% of its loan portfolio), including residential and commercial mortgages and construction and land development loans. The East Carolina Bank also writes commercial, consumer, and construction loans. Members of the Gibbs family own about 15% of ECB Bancorp.

F & M Bank has deep roots in Virginia's Shenandoah Valley. Founded in 1908, the holding company operates about 10 Farmers & Merchants Bank branches in the northern Virginia counties of Rockingham and Shenandoah. Farmers & Merchants caters to individuals and businesses. It provides typical deposit products, including checking and savings accounts, CDs, and IRAs. Some 40% of its loans are mortgages; it also writes agricultural, business, construction, and consumer loans. The company offers insurance, brokerage, and financial services through TEB Life Insurance and Farmers & Merchants Financial Services.

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