Citizens & Farmers Bank, founded in 1927, has focused on its customers and the surrounding communities for nearly 80 years. The bank is recognized as one of the premier community banks in the country. C&F has made it convenient for its customers to enjoy access to many investment choices - all in one place. C&F Investment Services/BI Investments offices are located in three Citizens and Farmers Bank locations, West Point, Williamsburg, and Midlothian, Va. By 2006 the bank will have 18 bank and branch offices throughout the state. C&F Mortgage is a wholly owned subsidiary of Citizens and Farmers Bank serving 14 markets throughout the states of Virginia, Maryland, Delaware and North Carolina. The subsidiary offers a variety of mortgage solutions to serve its customers needs. The service and state-of-the-art technology is what really distinguishes C&F Mortgage. An experienced mortgage loan officer is assigned to each account minimizing paperwork, reducing response, and accelerating approvals. C&F s main office is located in West Point, Va.