165 messages from the chairman of the board and president It gives me great pleasure to help mark this important milestone in the life of Bank of Clarke County. I have had a rich and truly satisfying relationship with this bank over the years and have counted it a privilege to be a part of its continued growth and success. I join my fellow Board members in thanking our share- holders who, over the years, have instilled in us the desire to see Bank of Clarke County thrive and maintain its vitality in an ever-changing industry. John D. Hardesty Chairman of the Board I also want to thank our shareholders and our Board of Directors for their continuing support of Bank of Clarke County. As only the eighth president of this fine institution, I do not want this milestone to pass without recognizing past and present employees, all of whom have contributed greatly to the ongoing story of Bank of Clarke County, Eagle Financial Services, Inc. and Eagle Investment Services. I am grateful for their invaluable commitment and service. John R. Milleson President and Chief Executive Officer