Cardinal Financial Corp., a two-year-old bank holding company in Fairfax, Va., has announced its first-ever acquisition.

Cardinal, which has $97 million of assets, said it would buy Heritage Bancorp in nearby McLean for $13.9 million of cash and stock. Heritage, founded in 1987, would be renamed Cardinal Bank-Potomac and join the roster of Cardinal subsidiary banks in Fairfax, Manassas, and Herndon.

Heritage stockholders would have the option of receiving $6 in cash or 1.2 share of Cardinal stock for each Heritage share they own. Cardinal officials did not say when the deal is expected to close.

Cardinal also announced it has dropped a plan to open a bank in Alexandria, Va.

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