Central Virginia Bankshares is the holding company for Central Virginia Bank, which operates about 10 branches in -- you guessed it -- central Virginia. Targeting individuals and local business customers, the community bank offers such standard retail services as checking and savings accounts, CDs, IRAs, and credit cards. Through a partnership with Community Bankers Securities, the bank also provides non-deposit investment services. Central Virginia Bankshares' loan portfolio consists of a mix of residential and commercial mortgages, real estate construction loans, home equity loans, and business and consumer loans.