Eagle Financial Services Inc. (EFSI.OB)

Eagle Financial Services, Inc. operates as the holding company for Bank of Clarke County, which provides retail and commercial banking services primarily in northwestern Virginia. The company engages in generating deposits and originating loans. Its deposit products include checking accounts, NOW accounts, money market accounts, savings accounts, and time deposits. The company’s loan portfolio comprises one-to-four-family residential real estate loans; commercial real estate loans; real estate-mortgage loans; real estate construction and land development loans; agricultural loans; commercial and industrial loans; and consumer loans, including personal installment loans, personal lines of credit, automobile loans, and credit card loans. It also offers credit cards, ATM cards, debit cards, and merchant services, as well as telephone banking and Internet banking services. In addition, the company, through its trust services division, provides personal and retirement plan services, including serving as agent for bill paying and custody of assets, as investment manager or advisor, as trustee or co-trustee for trusts, as trustee of life insurance trusts, as guardian or committee, as agent under a power of attorney, as executor or co-executor for estates, as custodian or investment advisor for individual retirement plans, and as trustee or trust advisor for corporate retirement plans. Its brokerage division offers a range of investment services, such as tax-deferred annuities, IRAs and rollovers, mutual funds, retirement plans, 529 college savings plans, life insurance, long term care insurance, fixed income investing, brokerage CDs, and discount brokerage services. Further, the company provides non-deposit investment products through a third party provider. As of December 31, 2007, it operated 11 branches and a drive-through only facility, as well as 16 automated teller machines. The company was founded in 1881 and is headquartered in Berryville, Virginia.