Bank Holding Companies with the Most Employees
August 13, 2010, 2:53 p.m. EDT 1 Min Read
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Bank Holding Companies with the Most Employees
Bank Holding Companies with the Most EmployeesFull-time equivalent on March 31, 2010. Dollars in thousands | |||||
|---|---|---|---|---|---|
| Rank | March 31 | Year earlier | Change | Assets | |
| 1 | Citigroup Inc. New York | 289,070 | 334,693 | -13.6% | $2,002,213,000 |
| 2 | Bank of America Corp. Charlotte | 283,914 | 284,802 | -0.3 | 2,340,667,014 |
| 3 | Wells Fargo & Co. San Francisco | 267,400 | 272,800 | -2.0 | 1,223,630,000 |
| 4 | JPMorgan Chase & Co. New York | 215,908 | 212,255 | 1.7 | 2,135,796,000 |
| 5 | Morgan Stanley New York | 62,211 | 44,241 | 40.6 | 819,719,000 |
| 6 | U.S. Bancorp Minneapolis | 58,661 | 54,872 | 6.9 | 282,428,000 |
| 7 | American Express Co. New York | 58,500 | 63,597 | -8.0 | 142,295,548 |
| 8 | PNC Financial Services Group Inc. Pittsburgh | 56,372 | 56,572 | -0.4 | 265,432,977 |
| 9 | MetLife Inc. New York | 52,617 | 53,626 | -1.9 | 565,566,452 |
| 10 | Bank of New York Mellon Corp. | 42,300 | 42,000 | 0.7 | 220,966,000 |
| 11 | Goldman Sachs Group Inc. New York | 33,100 | 27,898 | 18.6 | 880,677,000 |
| 12 | BB&T Corp. Winston-Salem, N.C. | 31,929 | 29,496 | 8.2 | 163,700,076 |
| 13 | SunTrust Banks Inc. Atlanta | 28,263 | 29,279 | -3.5 | 171,796,255 |
| 14 | Regions Financial Corp. Birmingham, Ala. | 28,213 | 30,613 | -7.8 | 137,287,286 |
| 15 | State Street Corp. Boston | 27,700 | 27,500 | 0.7 | 152,881,394 |
| 16 | Capital One Financial Corp. McLean, Va. | 25,930 | 27,545 | -5.9 | 200,707,587 |
| 17 | Fifth Third Bancorp Cincinnati | 20,038 | 20,618 | -2.8 | 112,651,313 |
| 18 | Ally Financial Inc. Detroit | 16,926 | NA | NA | 179,428,000 |
| 19 | KeyCorp Cleveland | 16,098 | 17,814 | -9.6 | 95,260,404 |
| 20 | Northern Trust Corp. Chicago | 12,468 | 12,195 | 2.2 | 76,318,597 |
| 21 | Huntington Bancshares Inc. Columbus, Ohio | 10,678 | 10,533 | 1.4 | 51,866,804 |
| 22 | Zions Bancorp. Salt Lake City | 10,505 | 10,942 | -4.0 | 51,722,707 |
| 23 | Popular Inc. Hato Rey, Puerto Rico | 9,373 | 10,179 | -7.9 | 33,832,000 |
| 24 | Discover Financial Services Riverwoods, Ill. | 9,327 | NA | NA | 64,918,501 |
| 25 | Comerica Inc. Dallas | 9,215 | 9,696 | -5.0 | 57,225,094 |
| 26 | Marshall & Ilsley Corp. Milwaukee | 8,790 | 9,182 | -4.3 | 56,633,936 |
| 27 | Franklin Resources Inc. San Mateo, Calif. | 7,758 | 8,179 | -5.1 | 9,443,966 |
| 28 | TCF Financial Corp. Wayzata, Minn. | 6,511 | 6,784 | -4.0 | 18,213,124 |
| 29 | Synovus Financial Corp. Columbus, Ga. | 6,142 | 6,483 | -5.3 | 32,439,438 |
| 30 | First Horizon National Corp. Memphis | 5,503 | 6,033 | -8.8 | 25,924,236 |
| 31 | Arvest Bank Group Inc. Bentonville, Ark. | 5,142 | 4,922 | 4.5 | 11,342,665 |
| 32 | Commerce Bancshares Inc. Kansas City, Mo. | 5,094 | 5,156 | -1.2 | 18,047,700 |
| 33 | Woodforest Financial Group Inc. The Woodlands, Texas | 4,920 | 4,598 | 7.0 | 3,452,333 |
| 34 | First Citizens BancShares Inc. Raleigh | 4,875 | 4,445 | 9.7 | 21,215,690 |
| 35 | Associated Banc-Corp Green Bay, Wis. | 4,748 | 5,124 | -7.3 | 23,107,768 |
| 36 | BOK Financial Corp. Tulsa | 4,426 | 4,456 | -0.7 | 23,508,329 |
| 37 | Stifel Financial Corp. St. Louis | 4,417 | 3,420 | 29.2 | 3,227,383 |
| 38 | BancorpSouth Inc. Tupelo, Miss. | 4,311 | 4,527 | -4.8 | 13,243,436 |
| 39 | CIT Group Inc. New York | 4,089 | 4,830 | -15.3 | 58,060,508 |
| 40 | New York Community Bancorp Inc. Westbury | 3,930 | 2,650 | 48.3 | 42,446,030 |
| 41 | International Bancshares Corp. Laredo, Texas | 3,850 | 3,598 | 7.0 | 10,783,666 |
| 42 | Cullen/Frost Bankers Inc. San Antonio | 3,841 | 3,920 | -2.0 | 16,823,384 |
| 43 | Fulton Financial Corp. Lancaster, Pa. | 3,530 | 3,633 | -2.8 | 16,411,523 |
| 44 | UMB Financial Corp. Kansas City, Mo. | 3,228 | 3,276 | -1.5 | 10,724,056 |
| 45 | City National Corp. Los Angeles | 2,983 | 2,933 | 1.7 | 20,070,757 |
| 46 | Webster Financial Corp. Waterbury, Conn. | 2,871 | 2,822 | 1.7 | 18,028,493 |
| 47 | Wilmington Trust Corp. Del. | 2,821 | 2,945 | -4.2 | 10,755,083 |
| 48 | Susquehanna Bancshares Inc. Lititz, Pa. | 2,763 | 2,952 | -6.4 | 13,779,916 |
| 49 | FirstMerit Corp. Akron | 2,723 | 2,562 | 6.3 | 12,326,916 |
| 50 | PlainsCapital Corp. Dallas | 2,714 | 2,064 | 31.5 | 4,834,855 |
| 51 | Old National Bancorp Evansville, Ind. | 2,708 | 2,513 | 7.8 | 7,818,103 |
| 52 | Valley National Bancorp Wayne, N.J. | 2,699 | 2,698 | 0.0 | 14,473,796 |
| 53 | Whitney Holding Corp. New Orleans | 2,641 | 2,607 | 1.3 | 11,582,958 |
| 54 | First BanCorp. San Juan, Puerto Rico | 2,640 | 2,851 | -7.4 | 18,850,964 |
| 55 | Sterling Financial Corp. Spokane | 2,555 | 2,518 | 1.5 | 10,587,519 |
| 56 | Trustmark Corp. Jackson, Miss. | 2,506 | 2,589 | -3.2 | 9,293,215 |
| 57 | East West Bancorp Inc. Pasadena, Calif. | 2,471 | 1,275 | 93.8 | 20,299,176 |
| 58 | Bank of Hawaii Corp. Honolulu | 2,400 | 2,587 | -7.2 | 12,435,670 |
| 59 | F.N.B. Corp. Hermitage, Pa. | 2,369 | 2,291 | 3.4 | 8,799,534 |
| 60 | Wintrust Financial Corp. Lake Forest, Ill. | 2,362 | 2,221 | 6.3 | 12,839,978 |
| 61 | Central Bancompany Inc. Jefferson City, Mo. | 2,353 | 2,459 | -4.3 | 9,276,546 |
| 62 | United National Corp. Sioux Falls, S.D. | 2,279 | 2,786 | -18.2 | 1,805,498 |
| 63 | Hancock Holding Co. Gulfport, Miss. | 2,263 | 1,938 | 16.8 | 8,573,804 |
| 64 | First Community Bancshares Inc. Killeen, Texas | 2,201 | 2,334 | -5.7 | 1,166,087 |
| 65 | South Financial Group Inc. Greenville, S.C. | 2,141 | 2,425 | -11.7 | 12,428,997 |
| 66 | Citizens Republic Bancorp Inc. Flint, Mich. | 2,111 | 2,175 | -2.9 | 11,658,853 |
| 67 | Umpqua Holdings Corp. Portland, Ore. | 2,108 | 1,825 | 15.5 | 10,515,810 |
| 68 | Dickinson Financial Corp. II Kansas City, Mo. | 2,051 | 2,259 | -9.2 | 5,984,448 |
| 69 | Park National Corp. Newark, Ohio | 2,006 | 2,071 | -3.1 | 7,176,087 |
| 70 | FirstBank Holding Co. Lakewood, Colo. | 1,987 | 1,982 | 0.3 | 10,415,044 |
| 71 | Iberiabank Corp. Lafayette, La. | 1,939 | 1,415 | 37.0 | 10,392,588 |
| 72 | United Community Banks Inc. Blairsville, Ga. | 1,795 | 1,781 | 0.8 | 7,837,018 |
| 73 | First Banks Inc. Clayton, Mo. | 1,762 | 2,168 | -18.7 | 9,057,311 |
| 74 | National Penn Bancshares Inc. Boyertown, Pa. | 1,753 | 1,785 | -1.8 | 9,171,761 |
| 75 | First Citizens Bancorp. Inc. Columbia, S.C. | 1,742 | 1,833 | -5.0 | 8,649,940 |
| 76 | First Interstate BancSystem Inc. Billings, Mont. | 1,730 | 1,763 | -1.9 | 7,212,417 |
| 77 | First Midwest Bancorp Inc. Itasca, Ill. | 1,729 | 1,767 | -2.2 | 7,592,974 |
| 78 | Bremer Financial Corp. St. Paul | 1,691 | 1,719 | -1.6 | 7,657,686 |
| 79 | Glacier Bancorp Inc. Kalispell, Mont. | 1,654 | 1,580 | 4.7 | 6,225,868 |
| 80 | MB Financial Inc. Chicago | 1,643 | 1,374 | 19.6 | 10,185,240 |
| 81 | First Commonwealth Financial Corp. Indiana, Pa. | 1,626 | 1,648 | -1.3 | 6,343,940 |
| 82 | Prosperity Bancshares Inc. Houston | 1,591 | 1,684 | -5.5 | 9,224,188 |
| 83 | Community Bank System Inc. De Witt, N.Y. | 1,566 | 1,616 | -3.1 | 5,485,800 |
| 84 | Eastern Bank Corp. Boston | 1,558 | 1,604 | -2.9 | 6,617,878 |
| 85 | NBT Bancorp Inc. Norwich, N.Y. | 1,468 | 1,435 | 2.3 | 5,531,060 |
| 86 | First Financial Bancorp. Cincinnati | 1,466 | 1,062 | 38.0 | 6,572,426 |
| 87 | United Bankshares Inc. Charleston, W.Va. | 1,465 | 1,512 | -3.1 | 7,615,243 |
| 88 | BancFirst Corp. Oklahoma City | 1,452 | 1,476 | -1.6 | 4,508,789 |
| 89 | Chemical Financial Corp. Midland, Mich. | 1,426 | 1,413 | 0.9 | 4,292,629 |
| 90 | WesBanco Inc. Wheeling, W.Va. | 1,379 | 1,448 | -4.8 | 5,382,741 |
| 91 | Pinnacle Bancorp Inc. Central City, Neb. | 1,361 | 1,409 | -3.4 | 5,568,591 |
| 92 | Johnson Financial Group Inc. Racine, Wis. | 1,322 | 1,369 | -3.4 | 5,773,820 |
| 93 | SVB Financial Group Santa Clara, Calif. | 1,270 | 1,247 | 1.8 | 14,126,440 |
| 94 | Doral GP Ltd. San Juan, Puerto Rico | 1,246 | 1,177 | 5.9 | 9,638,553 |
| 95 | Capitol Bancorp Ltd. Lansing, Mich. | 1,217 | 1,443 | -15.7 | 5,063,658 |
| 96 | Independent Bank Corp. Ionia, Mich. | 1,196 | 1,218 | -1.8 | 2,900,804 |
| 97 | First Merchants Corp. Muncie, Ind. | 1,195 | 1,320 | -9.5 | 4,376,547 |
| 98 | 1st Source Corp. South Bend, Ind. | 1,152 | 1,219 | -5.5 | 4,445,112 |
| 99 | NewAlliance Bancshares Inc. New Haven | 1,078 | 1,081 | -0.3 | 8,503,087 |
| 100 | Simmons First National Corp. Pine Bluff, Ark. | 1,057 | 1,097 | -3.6 | 3,097,499 |
| 101 | PrivateBancorp Inc. Chicago | 1,050 | 786 | 33.6 | 12,798,862 |
| 102 | Banner Corp. Walla Walla, Wash. | 1,048 | 1,083 | -3.2 | 4,581,711 |
| 103 | Pacific Capital Bancorp Santa Barbara, Calif. | 1,031 | 1,398 | -26.3 | 7,369,119 |
| 104 | Westamerica Bancorp. San Rafael, Calif. | 1,028 | 1,257 | -18.2 | 4,743,159 |
| 105 | Capital City Bank Group Inc. Tallahassee, Fla. | 1,007 | 1,039 | -3.1 | 2,695,361 |
| 106 | Sterling Bancshares Inc. Houston | 1,004 | 1,124 | -10.7 | 5,044,726 |
| 107 | Community Trust Bancorp Inc. Pikeville, Ky. | 982 | 996 | -1.4 | 3,169,056 |
| 108 | Great Southern Bancorp Inc. Springfield, Mo. | 971 | 878 | 10.6 | 3,700,237 |
| 109 | Union First Market Bankshares Corp. Richmond, Va. | 970 | 671 | 44.6 | 3,851,097 |
| 110 | New York Private Bank and Trust Corp. | 967 | 1,051 | -8.0 | 13,143,732 |
| 111 | Western Alliance Bancorp. Las Vegas | 948 | 1,083 | -12.5 | 6,096,238 |
| 112 | Cathay General Bancorp El Monte, Calif. | 946 | 991 | -4.5 | 11,870,498 |
| 113 | First Security Bancorp Searcy, Ark. | 938 | 976 | -3.9 | 3,280,355 |
| 114 | First Financial Bankshares Inc. Abilene, Texas | 934 | 958 | -2.5 | 3,352,955 |
| 115 | Metro Bancorp Inc. Harrisburg, Pa. | 930 | 983 | -5.4 | 2,171,191 |
| 116 | Central Pacific Financial Corp. Honolulu | 928 | 1,022 | -9.2 | 4,434,177 |
| 117 | SCBT Financial Corp. Columbia, S.C. | 927 | 703 | 31.9 | 3,665,467 |
| 118 | Columbia Banking System Inc. Tacoma | 923 | 709 | 30.2 | 4,133,900 |
| 119 | MainSource Financial Group Inc. Greensburg, Ind. | 919 | 904 | 1.7 | 2,861,257 |
| 120 | S&T Bancorp Inc. Indiana, Pa. | 913 | 959 | -4.8 | 4,135,767 |
| 121 | PacWest Bancorp San Diego | 911 | 867 | 5.1 | 5,204,160 |
| 122 | Provident Financial Services Inc. Jersey City | 911 | 957 | -4.8 | 6,796,539 |
| 123 | Independent Bank Corp. Rockland, Mass. | 910 | 813 | 11.9 | 4,547,207 |
| 124 | Intrust Financial Corp. Wichita | 897 | 990 | -9.4 | 3,686,168 |
| 125 | First Busey Corp. Champaign, Ill. | 894 | 939 | -4.8 | 3,702,480 |
| 126 | Boston Private Financial Holdings Inc. | 868 | 1,233 | -29.6 | 6,043,486 |
| 127 | StellarOne Corp. Charlottesville, Va. | 818 | 834 | -1.9 | 3,002,617 |
| 128 | First Financial Corp. Terre Haute, Ind. | 817 | 770 | 6.1 | 2,467,479 |
| 129 | City Holding Co. Charleston, W.Va. | 815 | 830 | -1.8 | 2,662,641 |
| 130 | Heartland Financial USA Inc. Dubuque, Iowa | 808 | 845 | -4.4 | 3,998,241 |
| 131 | Renasant Corp. Tupelo, Miss. | 805 | 828 | -2.8 | 3,641,709 |
| 132 | First National Bank Group Inc. Edinburg, Texas | 791 | 868 | -8.9 | 3,836,087 |
| 133 | CVB Financial Corp. Ontario, Calif. | 788 | 721 | 9.3 | 6,788,714 |
| 134 | Pinnacle Financial Partners Inc. Nashville | 786 | 736 | 6.8 | 5,021,689 |
| 135 | First Bancorp Troy, N.C. | 779 | 643 | 21.2 | 3,400,592 |
| 136 | BancPlus Corp. Belzoni, Miss. | 769 | 782 | -1.7 | 2,237,596 |
| 137 | Bank of the Ozarks Inc. Little Rock | 763 | 704 | 8.4 | 3,019,025 |
| 138 | Cass Information Systems Inc. Bridgeton, Mo. | 760 | 822 | -7.5 | 1,073,161 |
| 139 | Ocean Bankshares Inc. Miami | 752 | 906 | -17.0 | 3,888,693 |
| 140 | Republic Bancorp Inc. Louisville | 749 | 742 | 0.9 | 3,180,995 |
| 141 | Metropolitan Bank Group Inc. Chicago | 738 | 852 | -13.4 | 3,015,939 |
| 142 | West Coast Bancorp Lake Oswego, Ore. | 734 | 753 | -2.5 | 2,661,709 |
| 143 | Sun Bancorp Inc. Vineland, N.J. | 731 | 741 | -1.3 | 3,531,998 |
| 144 | Valley View Bancshares Inc. Overland Park, Kan. | 730 | 751 | -2.8 | 3,301,815 |
| 145 | Investors Bancorp MHC Short Hills, N.J. | 725 | 580 | 25.0 | 8,738,437 |
| 146 | Tompkins Financial Corp. Ithaca, N.Y. | 723 | 712 | 1.5 | 3,205,914 |
| 147 | First Mariner Bancorp Baltimore | 721 | 984 | -26.7 | 1,405,217 |
| 148 | W.T.B. Financial Corp. Spokane | 719 | 750 | -4.1 | 3,950,693 |
| 149 | Green Bankshares Inc. Greeneville, Tenn. | 717 | 738 | -2.8 | 2,569,732 |
| 150 | Hampton Roads Bankshares Inc. Norfolk | 713 | 706 | 1.0 | 3,016,470 |
| 151 | Integra Bank Corp. Evansville, Ind. | 700 | 842 | -16.9 | 2,912,530 |
| 152 | Farmers and Merchants Investment Inc. Lincoln, Neb. | 683 | 701 | -2.6 | 2,519,207 |
| 153 | Bessemer Group Inc. Woodbridge, N.J. | 673 | 657 | 2.4 | 1,776,862 |
| 154 | Sandy Spring Bancorp Inc. Olney, Md. | 665 | 668 | -0.4 | 3,675,245 |
| 155 | Star Financial Group Inc. Fort Wayne, Ind. | 657 | 670 | -1.9 | 1,672,768 |
| 156 | TriCo Bancshares Chico, Calif. | 657 | 614 | 7.0 | 2,169,587 |
| 157 | Texas Capital Bancshares Inc. Dallas | 648 | 562 | 15.3 | 5,500,192 |
| 158 | Apple Financial Holdings Inc. New York | 637 | 660 | -3.5 | 6,807,102 |
| 159 | Amarillo National Bancorp Inc. Texas | 622 | 624 | -0.3 | 2,749,188 |
| 160 | Broadway Bancshares Inc. San Antonio | 622 | 633 | -1.7 | 2,250,135 |
| 161 | Landrum Co. Columbia, Mo. | 614 | 657 | -6.5 | 1,516,708 |
| 162 | Bangor Bancorp MHC Maine | 607 | 594 | 2.2 | 2,323,280 |
| 163 | First Community Bancshares Inc. Bluefield, Va. | 604 | 572 | 5.6 | 2,280,533 |
| 164 | Fremont Bancorp. Calif. | 602 | 581 | 3.6 | 2,409,684 |
| 165 | Home BancShares Inc. Conway, Ark. | 597 | 663 | -10.0 | 3,078,199 |
| 166 | Liberty Bancshares Inc Jonesboro, Ark. | 597 | 597 | 0.0 | 2,551,444 |
| 167 | Sturm Financial Group Inc. Denver | 595 | 719 | -17.2 | 2,057,144 |
| 168 | Ameris Bancorp Moultrie, Ga. | 594 | 596 | -0.3 | 2,351,650 |
| 169 | State Bankshares Inc. Fargo, N.D. | 594 | 605 | -1.8 | 1,951,100 |
| 170 | Community Bancshares of Mississippi Inc. Brandon | 585 | 600 | -2.5 | 2,307,896 |
| 171 | ANB Corp. Terrell, Texas | 584 | 631 | -7.4 | 1,905,317 |
| 172 | South Plains Financial Inc. Lubbock | 584 | 620 | -5.8 | 2,154,481 |
| 173 | Financial Institutions Inc. Warsaw, N.Y. | 579 | 595 | -2.7 | 2,156,055 |
| 174 | Durant Bancorp Inc. Okla. | 575 | 554 | 3.8 | 2,183,806 |
| 175 | American State Financial Corp. Lubbock | 568 | 558 | 1.8 | 2,488,477 |
| 176 | First Bancshares Inc. Merrillville, Ind. | 568 | 605 | -6.1 | 2,012,874 |
| 177 | Southside Bancshares Inc. Tyler, Texas | 566 | 537 | 5.4 | 3,049,741 |
| 178 | First American Bank Corp. Elk Grove Village, Ill. | 565 | 571 | -1.1 | 2,861,190 |
| 179 | Whitaker Bank Corp. of Kentucky Lexington | 565 | 557 | 1.4 | 1,969,136 |
| 180 | Yadkin Valley Financial Corp. Elkin, N.C. | 563 | 456 | 23.5 | 2,203,112 |
| 181 | BancTrust Financial Group Inc. Mobile | 552 | 606 | -8.9 | 2,030,095 |
| 182 | Sterling Bancorp New York | 551 | 558 | -1.3 | 2,193,301 |
| 183 | Univest Corp. of Pennsylvania Souderton | 550 | 535 | 2.8 | 2,064,822 |
| 184 | Old Second Bancorp Inc. Aurora, Ill. | 548 | 609 | -10.0 | 2,497,685 |
| 185 | CoBiz Financial Inc. Denver | 545 | 537 | 1.5 | 2,421,039 |
| 186 | Sunflower Financial Inc. Salina, Kan. | 537 | 540 | -0.6 | 1,764,588 |
| 187 | Farmers Capital Bank Corp. Frankfort, Ky. | 536 | 567 | -5.5 | 2,148,242 |
| 188 | Oriental Financial Group Inc. San Juan, Puerto Rico | 535 | 562 | -4.8 | 6,508,520 |
| 189 | Standard Bancshares Inc. Hickory Hills, Ill. | 533 | 534 | -0.2 | 2,369,718 |
| 190 | Peoples Bancorp Inc. Marietta, Ohio | 531 | 547 | -2.9 | 2,003,707 |
| 191 | Lakeland Bancorp Inc. Oak Ridge, N.J. | 527 | 539 | -2.2 | 2,768,696 |
| 192 | FNB United Corp. Asheboro, N.C. | 525 | 517 | 1.5 | 2,032,544 |
| 193 | AmericanWest Bancorp. Spokane | 524 | 576 | -9.0 | 1,557,102 |
| 194 | Alpine Banks of Colorado Glenwood Springs | 519 | 521 | -0.4 | 2,648,733 |
| 195 | Fidelity Southern Corp. Atlanta | 518 | 438 | 18.3 | 1,884,819 |
| 196 | FVNB Corp. Victoria, Texas | 517 | 483 | 7.0 | 1,622,827 |
| 197 | North American Bancshares Inc. Sherman, Texas | 514 | 542 | -5.2 | 1,869,864 |
| 198 | Middlesex Bancorp MHC Natick, Mass. | 513 | NA | NA | 4,007,596 |
| 199 | NewBridge Bancorp Greensboro, N.C. | 513 | 511 | 0.4 | 1,954,292 |
| 200 | Hanmi Financial Corp. Los Angeles | 507 | 532 | -4.7 | 3,018,290 |
Includes employees of holding companies and subsidiaries. Domestic subsidiaries of foreign holding companies were excluded. Based on Y9C filings for top-tier bank holding companies. Figures for prior periods are not adjusted for mergers and acquisitions. Rankings include only companies current as of July 28, 2010.
Source:
SNL Financial
, Charlottesville, Va. © 2010 American Banker