Citizens Bancorp of Virginia, Inc. is the bank holding company of Citizens Bank and Trust Company (the Bank), a commercial ba ... nk. The Bank offers traditional lending and deposit products to businesses and individuals. The Bank's personal banking services include checking, savings, estate checking, certificates of deposit and individual retirement accounts. The Bank's business banking services include checking, savings, certificates of deposit and merchant services. The Bank offers commercial loans, such as commercial real estate mortgages, small business working capital loans, small business lines of credit, Small Business Administration (SBA) guaranteed loans and investment property loans; consumer loans, such as automobile loans, signature loans, boat loans and personal property loans, and real estate loans, such as home equity lines of credit, first-time home buyer programs, home improvement loans, bridge loans, new home construction loans and commercial construction loans. read more