OFFICERS G. William Beale, Chief Executive Officer David J. Fairchild, President John C. Neal, Executive Vice President & Chief Banking Officer D. Anthony Peay, Executive Vice President & Chief Financial Officer Janis Orfe, Executive Vice President / General Counsel / Corporate Secretary Rex A. Hockemeyer, Executive Vice President & Director of Operations & Information Technology Elizabeth Bentley, Executive Vice President & Director of Retail Banking Elizabeth M. Dishner, Senior Vice President & Director of Human Resources William H. Hutton, Executive Vice President & Chief Credit Officer Bill Davis, Vice President & Controller Toler F. Cross, Vice President & Treasurer Olen Thomas, Senior Vice President & Chief Marketing Officer Rawley H. Watson, III, CPA, Director of Internal Audit DIRECTORS Ronald L. Hicks, Chairman W. Tayloe Murphy, Jr. Vice Chairman G. William Beale, Chief Executive Officer David J. Fairchild, President Douglas E. Caton Daniel I. Hansen Steven A. Markel Patrick J. McCann Hullihen W. Moore R. Hunter Morin Ronald L. Tillett James E. Ukrop