SCHEDULE 14A INFORMATION
Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934
Filed by the Registrant [X]
Filed by a Party other than the Registrant [ ]
Check the appropriate box:
[ ] Preliminary Proxy Statement
[ ] Confidential, for use of the Commission only (as permitted by Rule
14a-6(e)(2))
[ ] Definitive Proxy Statement
[ ] Definitive Additional Materials
[ ] Soliciting Material Pursuant to ss. 240.14 a-11(c) or ss. 240.14a-12
HERITAGE BANKSHARES, INC.
(Name of Registrant as Specified In Its Charter)
...............................................................................
(Name of Person(s) Filing Proxy Statement if other than the Registrant)
Payment of Filing Fee (Check the appropriate box):
[X] No fee required.
[ ] Fee computed on table below per Exchange Act Rules 14a-6(i)(4) and 0-11.
(1) Title of each class of securities to which transaction applies:
.................................................................
(2) Aggregate number of securities to which transaction applies:
.................................................................
(3) Per unit price or other underlying value of transaction computed
pursuant to Exchange Act Rule 0-11(Set forth the amount on which
the filing fee was calculated and state how it was determined):
.................................................................
(4) Proposed maximum aggregate value of transaction:
.................................................................
(5) Total fee paid:
.................................................................
[ ] Fee paid previously with preliminary materials.
[ ] Check box if any part of the fee is offset as provided by Exchange Act Rule
O-11(a)(2) and identify the filing for which the offsetting fee was paid
previously. Identify the previous filing by registration statement number,
or the Form or Schedule and the date of its filing.
(1) Amount Previously Paid:
.......................................
(2) Form, Schedule or Registration Statement No.:
.......................................
(3) Filing Party:
.......................................
(4) Date Filed:
.........................................
<PAGE>
HERITAGE BANKSHARES, INC.
200 East Plume Street
Norfolk, Virginia 23510
Telephone (757) 523-2600
April 17, 1998
Dear Stockholder:
You are cordially invited to attend the annual meeting of stockholders of
Heritage Bankshares, Inc. to be held on Tuesday, May 19, 1998, at 10:00 am.
This year the meeting will be held at the Norfolk Waterside Marriott
Hotel, 235 East Main Street, Norfolk, Virginia 23510.
The purposes of this meeting are set forth in the enclosed proxy
statement. In addition, we will present a report on the activities of the
Corporation and give you an opportunity to ask questions of your Management and
Directors.
WHETHER OR NOT YOU PLAN TO ATTEND, YOU CAN BE SURE YOUR SHARES ARE
REPRESENTED AT THE MEETING BY PROMPTLY COMPLETING, SIGNING AND RETURNING YOUR
PROXY FORM.
Sincerely,
/s/ Robert I. Keogh /s/ Peter M. Meredith, Jr.
Robert I. Keogh Peter M. Meredith, Jr.
President Chairman of the Board
<PAGE>
HERITAGE BANKSHARES, INC.
200 East Plume Street o Norfolk, Virginia 23510
Telephone (757) 523-2600
(Mailing Address of Principal Executive Offices)
NOTICE OF ANNUAL MEETING OF STOCKHOLDERS
TO BE HELD MAY 19, 1998
The Annual Meeting of the Stockholders of Heritage Bankshares, Inc., will
be held at the Norfolk Waterside Marriott Hotel, 235 East Main Street, Norfolk,
Virginia, at 10:00 a.m. local time on Tuesday, May 19, 1998, for the following
purposes:
(1) To elect four directors for a term of three years: James A.
Cummings, Robert J. Keogh, Peter M. Meredith, Jr., and Harvey W.
Roberts, III;
(2) To ratify the appointment by the Board of Directors of Goodman &
Company as independent accountants of the Corporation for the
year ending December 31, 1998;
(3) To transact such other business as may properly come before the
meeting.
Stockholders of record at the close of business on March 19, 1998, are
entitled to notice of, and to vote at, the meeting or any adjournment thereof.
Be it further advised that Stockholders are simultaneously being furnished with
a copy of the Annual Report for the year ending December 31, 1997.
By order of the Board of Directors,
/s/ Robert J. Keogh /s/ Peter M Meredith
Robert J. Keogh Peter M Meredith
President Chairman of the Board
Norfolk Virginia
April 17, 1998
IMPORTANT NOTICE:
TO ASSURE YOUR REPRESENTATION AT THE MEETING, PLEASE COMPLETE, DATE, SIGN
AND PROMPTLY MAIL THE ENCLOSED PROXY CARD. NO POSTAGE IS NECESSARY IF MAILED IN
THE UNITED STATES. ANY PERSON GIVING A PROXY HAS THE POWER TO REVOKE IT AT ANY
TIME, AND STOCKHOLDERS WHO ARE PRESENT AT THE MEETING MAY WITHDRAW THEIR PROXIES
AND VOTE IN PERSON.
<PAGE>
HERITAGE BANKSHARES, INC.
200 East Plume Street o Norfolk, Virginia 23510
Telephone (757) 523-2600
PROXY STATEMENT
FOR ANNUAL MEETING OF STOCKHOLDERS
This proxy statement is furnished in connection with the solicitation by
the management of Heritage Bankshares, Inc., (hereinafter referred to as the
"Corporation"), on behalf of the Board of Directors, of proxies to be voted at
the Annual Meeting of Stockholders of the Corporation to be held May 19, 1998,
or any adjournment thereof. The cost of this solicitation will be borne by the
Corporation. Proxies may be solicited by regular employees at a nominal cost by
telephone or visit and brokers and nominees will be reimbursed for their
expenses in soliciting proxies from beneficial owners.
All properly executed proxies in the accompanying form received by the
Corporation prior to the meeting will be voted at the meeting in accordance with
any direction noted thereon. Any proxy may be revoked at any time before it is
exercised.
As of March 19, 1998, the record date for the determination of
stockholders entitled to notice of and to vote at the meeting, there were
794,102 shares of common stock of the Corporation issued and outstanding. Each
share is entitled to one vote on all matters which may come before the meeting.
The date on which this statement and the enclosed form of proxy are first being
sent to stockholders is April 17, 1998.
The Corporation will provide without charge, on the written request of any
stockholder, a copy of its annual report for the fiscal year ended December 31,
1997, or Form 10-K, including the financial statements and the schedules
attached thereto, which report has been filed with the Securities and Exchange
Commission. Stockholders of record on March 19, 1998, and beneficial owners of
such securities should submit requests for such report to Catherine R Jackson,
Senior Vice President, Corporate Finance, 1450 South Military Highway, Suite 1,
Chesapeake, Virginia 23320.
<PAGE>
PERSONS OWNING IN EXCESS OF FIVE PERCENT
OF OUTSTANDING COMMON STOCK
Set forth in the table below is information as of March 19, 1998, with
respect to persons known to the Corporation to be the beneficial owners of more
than five percent of the Corporation's issued and outstanding stock:
Number of Shares
Name and Address Beneficially Owned Percent
---------------- ------------------ -------
L. Steven Gossett 48,313(1) 6.08%
5225 Riverwood Road
Norfolk, Virginia 23502
(1) Mr. Gossett reports that he shares voting and dispositive power ever 31,094
shares of the corporation's common stock with his wife, Diane M. Gossett,
and his daughters, Stephanie G Johnson and Nancy G Hence.
ELECTION OF DIRECTORS
The bylaws currently provide for fourteen directors. The terms of James A.
Cummings, Robert J. Keogh, Peter M. Meredith, Jr., and Harvey W. Roberts, III,
expire at this meeting.
The Nominating Committee at its meeting on February 12, 1998, recommended
the hereinafter listed nominees to serve as directors of the Corporation.
It is the intention of the persons named in the accompanying form of
proxy, unless stockholders specify otherwise by their proxies, to vote for the
election of the nominees named below. Although the Board of Directors does not
expect that any of the persons named will be unable to serve as a director,
should any of them be unable to accept nomination or election, it is intended
that shares represented by the accompanying form of proxy will be voted by the
proxy holders for such other person or persons as may be designated by the
present Board of Directors.
Certain information concerning the nominees is set forth as furnished by
them.
<PAGE>
<TABLE>
NOMINEES
<CAPTION>
<S> <C>
Shares of the Corporation
Owned Beneficially,
Directly or Indirectly, on
March 19, 1998(1), and %
of Outstanding Shares
- ----------------------------------------------------------------------------------------------------------
Name Age Principal Occupation
or Employment Director Common
During Last Five Years Since Stock
- ----------------------------------------------------------------------------------------------------------
Class III (to serve until the 2001
Annual Meeting of Stockholders)
-------------------------------
James A. Cummings 55 Vice President, 1992 5,138(2)
2073 Thomas Bishop Lane Southern Atlantic Label Company, Inc. 0.64%
Virginia Beach, VA
Robert J. Keogh 49 President and CEO, 1989 8,748(3)
6146 Sylvan Street Heritage Bank & Trust 1.10%
Norfolk, VA
Peter M. Meredith, Jr. 46 Chairman and CEO, 1992 36,950(4)
5320 Edgewater Drive Meredith Construction Company, Inc. 4.64%
Norfolk, VA
Harvey W. Roberts, III 53 Accountant, 1993 29,079(5)
7612 North Shore Road Roberts and Speece, P.L.C., 3.65%
Norfolk, VA Certified Public Accountants
</TABLE>
(1) In calculating the number of shares of common stock which are beneficially
owned (and thus the percentage of common stock beneficially owned) a person
is deemed to own common stock if that person has the right to acquire
beneficial ownership of common stock within sixty (60) days through the
exercise of any option, warrant or right. or through the conversion of any
security.
(2) Includes 1,500 shares owned jointly with his wife. Also includes 1,756
shares owned by Scott & Stringfellow for Mr. Cummings.
(3) Includes 1,335 shares owned jointly with his wife. Also includes 2,051
shares owned by Scott & Stringfellow as an IRA for Mr. Keogh. Does not
include 38,100 shares that may be acquired by Mr. Keogh pursuant to the
Stock Option Plan for key employees of the corporation. See "compensation
Pursuant to Plans." If such shares were included, Mr. Keogh would own 5.89%
of the outstanding shares.
(4) Includes 10,060 shares held as Meredith Realty company, L.L.C., 9,455
shares held as Pomar Holding, L.L.C. and 3,000 shares held as Meredith
Realty Associates. Also includes 8,203 shares owned by Davenport & Company
for Mr. Meredith.
(5) Includes 15,455 shares owned by his wife and 3,000 shares owned jointly
with his wife. Also includes 2,112 shares owned by Scott & Stringfellow,
257 shares as an IRA for Roberts and Speece. P.L.C., Certified Public
Accountants,
<PAGE>
<TABLE>
OTHER DIRECTORS
<CAPTION>
<S> <C>
Shares of the Corporation
Owned Beneficially,
Directly or Indirectly, on
March 19, 1998, and %
of Outstanding Shares
- ----------------------------------------------------------------------------------------------------------
Name Age Principal Occupation
or Employment Director Common
During Last Five Years Since Stock
- ----------------------------------------------------------------------------------------------------------
Lisa F. Chandler 43 Executive Vice President, 1997 200(1)
6127 Studeley Avenue Nancy Chandler Associates, Inc. 0.03%
Norfolk, VA
F. Dudley Fulton 49 President/CEO, 1991 2,700
5306 Lakeside Avenue Henderson & Phillips Insurance 0.34%
Virginia Beach, VA
Henry U. Harris, III 46 President, 1992 26,405(2)
1503 North Shore Road Virginia Investment Counselors, Inc. 3.31%
Norfolk, VA
Stephen A. Johnsen 52 President, 1988 1,968
401 College Place, Unit 1 Flagship Group, LTD. 0.25%
Norfolk, VA
Gerald L. Parks 64 Chairman and CEO, 1987 5,195(3)
27307 Evergreen Lane Capes Shipping Agencies, Inc. 0.65%
Harborton, VA
Ross C. Reeves 49 Attorney, 1994 4,142(4)
1068 Algonquin Road Willcox & Savage, P.C. 0.52%
Norfolk, VA
</TABLE>
(1) Shares owned jointly with her husband.
(2) Includes 3,555 shares owned by his wife. Also includes 4,240 shares held as
custodian for others, and 3,700 shares held in trust.
(3) Includes 4,614 shares owned jointly with his wife.
(4) Includes 3,142 shares held as custodian for others.
<PAGE>
COMMITTEES AND MEETINGS OF THE BOARD OF DIRECTORS
The Corporation has a standing Compensation Committee and a specially
appointed Nominating Committee. The members of the Nominating Committee are
Henry U. Harris, III, Chairman, Ross C. Reeves, Harvey W. Roberts, III, Peter M.
Meredith, Jr., and Robert J. Keogh. The Executive Committee of the Corporation
periodically performs certain duties that the Nominating Committee would
perform. The Nominating Committee will receive and consider nominations
recommended by the Stockholders provided: (a) the nominations are made in
writing, (b) the nominee is notified in advance of such recommended nomination,
and (c) the nominee agrees in advance to serve if elected.
The members of the Executive Committee appointed in 1997 and still serving
in that capacity are Peter M. Meredith, Jr., Chairman, Henry U. Harris, III,
Stephen A. Johnsen, Harvey W. Roberts, III, and Robert J. Keogh. The Corporation
has an Audit Committee which reviews the audits of the Corporation and its
subsidiary bank and the examination reports received from bank regulatory
agencies and reports to the Board of Directors of the Corporation. During the
year ended December 31, 1997, there were one or more meetings of each of these
Committees. The 1997 Corporation's Audit Committee members were Harvey W.
Roberts, III, Chairman, Henry U.
Harris, III, and Ross C. Reeves.
The Board of Directors held twelve meetings during the year ending
December 31, 1997. During such year each of the Directors attended at least 75
percent of the aggregate of the total number of meetings of the Board and the
total number of meetings held by all committees of the Board on which they
served.
COMPENSATION OF EXECUTIVE OFFICERS
The table below shows the compensation paid by the wholly owned
subsidiaries in 1997 to each of the Corporation's executive officers;
<TABLE>
SUMMARY COMPENSATION TABLE
ANNUAL COMPENSATION(1)
<CAPTION>
<S> <C>
(a) (b) (c) (d) (e) (f) (g)
Name and Other All
Principal Annual Other
Position Year Salary Bonus Compensation Options Compensation
- ----------------------------------------------------------------------------------------------------------
Robert J. Keogh 1997 $94,725 $34,800 $4,800 -0- -0-
President, Chief 1996 $93,450 $23,700 $4,800 -0- -0-
Executive Officer 1995 $93,000 $14,000 $3,125 36,000(2) -0-
</TABLE>
(1) No compensation earned in 1997 was deferred.
(2) During 1995 options were granted to purchase common stock of the
Corporation at the option price ranging From $6.50 per share to $9.50 per
share. See "Compensation Pursuant to Plans." Mr. Keogh exorcised 5,600
options during 1997.
<PAGE>
COMPENSATION COMMITTEE REPORT
CONCERNING EXECUTIVE COMPENSATION POLICY
The overall goal of the Corporation's Compensation Policy is to motivate,
reward and retain our key executive officers. We believe this should be
accomplished through an appropriate combination of competitive base salaries and
both short term and long term incentives.
To achieve these goals, the Compensation Committee examined a number of
factors to determine the compensation of executive officers. These include:
(1)The Corporation's overall performance during the fiscal year with due
consideration for economic conditions, the general business environment
in which it operates, and other factors deemed pertinent.
(2)Individual performance and contributions towards the Corporation's
annual profit plan and the Corporation's long term goals of safety and
soundness, earnings and asset growth and asset quality and other
objectives established from time to time.
(3)Compensation levels of corresponding positions at other peer group
companies, defined as other banking companies of comparable size, and
particularly those which operate in the same markets served by the
Corporation.
With particular reference to compensation of the Corporation's Chief
Executive Officer, in addition to the previously stated factors, the Committee
reviewed the performance of the Corporation measured by such criteria as
profitability as measured by the Corporation's return on average assets and
return on stockholders' equity, asset quality, capital strength, asset growth,
growth in earnings per share of common stock, and the Corporation's stock price
as measured by its market price in relation to book value.
This report has been prepared by members of the Compensation Committee of
the Board of Directors. Members of this Committee are
F. Dudley Fulton, Chairman
Stephen A. Johnsen
Peter M. Meredith, Jr.
Gerald L. Parks
<PAGE>
COMPENSATION PURSUANT TO PLANS
EMPLOYEE STOCK OPTION PLAN. As of December 31, 1997, stock options for
99,850 shares are outstanding and, of these shares, 67,913 are exercisable.
Options are granted and are exercisable at option prices ranging from $4.60 to
$9.50 per share.
DEFERRED COMPENSATION PLAN. In 1985, the Bank entered into a deferred
compensation and retirement arrangement with certain key directors and officers.
The Corporation's policy is to accrue the estimated amounts to be paid under the
contracts over the expected period of active employment. The Bank has purchased
life insurance contracts in order to fund the expected liabilities under the
contracts.
In 1990, Robert J. Keogh, President of Heritage Bank & Trust, became a
participant in the Heritage Bank & Trust Executive Security Plan. In the event
Mr. Keogh dies before he is 65 years old and is fully vested, his beneficiary
will receive monthly payments of $4,167 for each of the next 180 months. Upon
Mr. Keogh's retirement, he will receive $4,167 per month for each of the next
180 months or until his death, and thereafter, his beneficiary will receive such
retirement benefits. The Corporation intends to fund this obligation through
insurance. As of December 31, 1997, $51,428 was accrued to reflect the
anticipated liabilities under the contract.
EMPLOYEE STOCK OWNERSHIP PLAN. Effective January 1, 1984, the Board of
Directors adopted an Employees' Stock Bonus Plan (the "ESOP"). The ESOP covered
substantially all employees, whereby funds contributed were used to purchase
outstanding common stock of the Corporation. Contributions to the ESOP were
allocated to employees/participants based on their annual compensation.
Employee/participant accounts were fully vested as of January 1, 1992. The
Corporation made no contribution to the plan for years ending December 31, 1997
and 1996. In October of 1995, the trustees of the ESOP voted to terminate the
plan and the participants in the plan were notified of their options concerning
distribution of their shares in the plan in accordance with the terms of the
ESOP and applicable law. At December 31, 1997, 25,761 of the 25,934 shares in
the plan had been distributed.
<PAGE>
401K RETIREMENT PROGRAM. Effective January 1, 1993, the Board of Directors
adopted a Retirement Program (the "401K"). The Corporation may contribute cash
to the 401K annually, as determined each year by the Board of Directors.
Contributions to the 401K are allocated to its participants based on the
employee/participants' contributions to the plan. Eligible participants in the
401K include all employees who have completed six months of service (500 hours)
beginning with the effective date of the 401K. Benefits will be payable upon
separation from service or upon retirement, disability or death. Employees are
20% vested with respect to the benefits under the 401K in two years and the
vested percentage is increased annually, reaching 100% after six years.
Participants are automatically 100% vested in the 401K upon reaching age 65,
death or disability. The Corporation has the right to amend or terminate the
401K. The Corporation accrued $36,000 for a contribution to the plan as of
December 31, 1997. The accrued contribution as of December 31, 1996 was $28,000.
COMPENSATION OF DIRECTORS. Directors of the Corporation and Directors of
Heritage Bank & Trust receive $400 for each Board of Directors meeting attended
and $100 for each committee meeting attended.
<PAGE>
TRANSACTIONS WITH DIRECTORS AND OFFICERS
During the past year, some Directors and Officers of the Corporation and
of Heritage Bank & Trust, and their Companies were customers and had borrowing
transactions with the Bank in the normal course of business. The firm of
Flagship Group, LTD., of which Stephen A. Johnsen, a Director of the
Corporation, is President, acts as agent for the purchase of various insurance
coverages for the Corporation. The Willcox & Savage P.C. law firm, of which Ross
C. Reeves, a Director of the Corporation, is a member, occasionally provides
legal services for the Corporation.
All outstanding loans and commitments included in such transactions were
made in the ordinary course of business on substantially the same terms,
including interest rates and collateral, as those prevailing at the time for
comparable transactions with other persons and did not involve more than normal
risk of collectibility or present other unfavorable features.
The Corporation and Bank as set forth above have and expect to have in the
future, banking transactions in the ordinary course of their business with their
directors, officers, principal stockholders and their associates on
substantially the same terms, including interest rates, collateral and repayment
terms on extensions of credit as those prevailing at the same time for
comparable transactions with others
APPOINTMENT OF INDEPENDENT ACCOUNTANTS
The Board of Directors, upon recommendation of its Audit Committee,
intends to appoint Goodman & Company, One Commercial Place, Suite 800, Norfolk,
Virginia 23510, as the firm of independent accountants to examine the financial
statements of the Corporation for the current year.
This firm has served the Corporation as its independent accountants and
auditors since March 6, 1986. A representative of the firm will be present at
the annual meeting, will have an opportunity to make a statement, if desired,
and will be available to respond to appropriate questions.
STOCKHOLDER PROPOSALS
Proposals of stockholders intended to be presented at the next annual
meeting must be received by the Secretary of the Corporation no later than
December 21, 1998, in order to be included in the proxy materials for the next
annual meeting.
<PAGE>
OTHER BUSINESS
If any other matters come before the meeting, not referred to in the
enclosed Proxy, including matters incident to the conduct of the meeting, the
Proxies will vote the shares represented by the Proxies in accordance with their
best judgment. Management is not aware of any other business to come before the
meeting as of the date of the preparation of this Proxy Statement.
By Order of the Board of Directors,
/s/ Robert J. Keogh /s/ Peter M. Meredith, Jr.
Robert J. Keogh Peter M. Meredith, Jr.
President Chairman of the Board
Norfolk, Virginia
April 17, 1998
<PAGE>
PLEASE VOTE-YOUR VOTE IS IMPORTANT
Whether Or Not You Plan To Attend The Meeting, Please Fill In, Sign And Mail The
Proxy. It Is Important That You Return Your Proxy As Soon As Possible To Assure
That Your Proxy Will Be Voted And To Avoid The Additional Expense Of Further
Solicitation.
HERITAGE BANKSHARES, INC.
TEAR ON DOTTED LINE
- --------------------------------------------------------------------------------
HERITAGE BANKSHARES, INC.
Norfolk, Virginia 23510
THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS
FOR ANNUAL MEETING OF STOCKHOLDERS
MAY 19, 1998
The undersigned hereby appoints E Dudley Fulton, Chairman and James A.
Cummings, and each of them as proxies (and if the undersigned is a proxy. as
substitute proxies), each with the power to appoint his substitute and hereby
authorizes them to represent and to vote, as designated below, all of the shares
of common stock of HERITAGE BANKSHARES. INC.. held of record by the undersigned
on Match 19, 1998, at the Annual Meeting of Stockholders to beheld on May 19,
1998. or at any adjournment thereof.
The Board of Directors Unanimously Recommends a vote for Proposals 1 and 2.
1. ELECTION OF DIRECTORS FOR THE TERMS SPECIFIED IN THE PROXY STATEMENT
[ ] For all nominees listed below (except as marked to the contrary
below)
[ ] WITHHOLD AUTHORITY to vote for all nominees listed below.
James A. Cummings, Robert J. Keogh, Peter M. Meredith, Jr., and
Harvey W. Roberts, III.
(Instruction: To withhold authority to vote for any individual nominee, write
that nominee's name in the space below.)
- -------------------------------------------------------------------------------
2. RATIFICATION of selection of Goodman & Company as independent accountants,
as proposed in the Proxy Statement.
[ ] FOR [ ] AGAINST [ ]ABSTAIN
FOLD ALONG DOTTED LINE
- --------------------------------------------------------------------------------
3. In their discretion, the proxies are authorized to vote upon such other
business, and matters incident to the conduct of the meeting, as may
properly come before the meeting.
This proxy when properly executed will be voted in the manner directed herein
by the undersigned stockholder. If no direction is made, this proxy will be
voted for Proposals 1 and 2.
PLEASE SIGN exactly as your name appears hereon. When shares are held by
joint tenants, only one of such persons need sign. when signing as attorney,
executor, administrator, trustee or guardian, please give full title as such.
If a corporation, please sign in full corporate name by President or other
authorized officer. If a partnership, please sign in partnership name by
authorized person.
Please mark. sign. date and return
proxy card promptly.
Date , 1998
------------------------
----------------------------------
Signature
----------------------------------
Signature
[ ] Will attend meeting.
[ ] Will NOT attend meeting.
<PAGE>
HERITAGE BANK & TRUST LOCATIONS
DOWNTOWN OFFICE
200 East Plume Street
Norfolk, Virginia 23510
Leigh C. Keogh,
Branch Operations Manager
(757) 523-2656
Fax (757) 626-3933
MILITARY CIRCLE OFFICE
841 N. Military Highway
Norfolk, Virginia 23502
Sharon H. Snead,
Branch Manager
(757) 523-2672
Fax (757) 523-2677
CHESAPEAKE OFFICE
1450 5. Military Highway
Chesapeake, Virginia 23320
Ann Stuart Bugg,
Branch Operations Manager
(757) 523-2641
Fax (757) 420-2661
COLLEY AVENUE OFFICE
4815 Colley Avenue
Norfolk, Virginia 23508
Karen P. Priest,
Branch Officer
(757) 423-5074
Fax (757) 423-5127
OPERATIONS CENTER
1450 S. Military Highway
Chesapeake, Virginia 23320
Cassandra B. Parker,
Customer Service
(757) 523-2602
Fax (757) 523-0977
