BOTJ Stock Analysis

Bank of James Financial Group Inc

Bank of the James Financial Group, Inc. (Financial) is a bank holding company of Bank of the James (the Bank). The Bank, though it's BOTJ Investment Services division (Investment) offers brokerage, fixed and variable annuity products, and related services to the public through a contract with a third party broker-dealer. The Bank also wholly owns BOTJ Insurance, Inc. (BOTJ Insurance) through which it acts as an agent for insurance and annuity products. As of December 31, 2009, the Bank conducted its business from nine full-service offices. Four of the full-service offices are located in Lynchburg, Virginia, one full-service location is located in Madison Heights, Virginia, one is located in the Town of Amherst, Virginia, one is located in Forest, Virginia, one is located in the City of Bedford, Virginia and one is located in the Town of Altavista, Virginia.