MARATHON FINANCIAL CORP
S-4, EX-99, 2000-07-20
NATIONAL COMMERCIAL BANKS
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                                                                    Exhibit 99.2



                            Rockingham Heritage Bank
               Proxy Solicited on Behalf of the Board of Directors

         The    undersigned    hereby    appoints    ____________________    and
____________________,  jointly and  severally,  proxies,  with full power to act
alone, and with full power of substitution,  to represent the undersigned and to
vote, as  designated  below and upon any and all other matters that may properly
be brought before such meeting,  all shares of Common Stock that the undersigned
would be entitled to vote at a Special  Meeting of  Shareholders  of  Rockingham
Heritage   Bank,  a  Virginia   state  bank   ("Rockingham"),   to  be  held  at
____________________________,  __________,  Virginia,  on  ________  __, 2000 at
______.m., local time, or any adjournments thereof, for the following purposes:

         1.       To approve  the  Amended and  Restated  Agreement  and Plan of
                  Merger,  dated as of June 21, 2000,  by and among  Rockingham,
                  Marathon,  The  Marathon  Bank,  and  Marathon  Merger Bank, a
                  wholly-owned  bank  subsidiary  of MFC,  and a related Plan of
                  Merger,  which provides for Marathon  Merger Bank to be merged
                  with and into Rockingham (collectively,  the "Agreement"). The
                  Agreement  is  enclosed  with  the  accompanying  Joint  Proxy
                  Statement/Prospectus as Appendix A.

                      [    ]  FOR          [    ]  AGAINST       [    ]  ABSTAIN

         2.       In their  discretion,  the proxies are authorized to vote upon
                  any other  business that may properly come before the meeting,
                  or any adjournment thereof.

         THIS  PROXY,  WHEN  PROPERLY  EXECUTED,  WILL BE  VOTED  IN THE  MANNER
DIRECTED HEREIN BY THE SHAREHOLDER. IF NO DIRECTION IS GIVEN, THIS PROXY WILL BE
VOTED FOR ITEM 1.

----------------------------------- -------------------------------------------
               Printed Name                        Signature


                                    -------------------------------------------
                                                   Signature



                                    Dated:   ___/___/00

                                    (If  signing  as  Attorney, Administrator,
                                    Executor,  Guardian or  Trustee,  please add
                                    your title as such.)

                   PLEASE MARK, SIGN, DATE AND RETURN PROMPTLY


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