SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Schedule 13G
Under the Securities Exchange Act of 1934
(Amendment No. 3 )*
Virginia Commonwealth Financial Corporation
(Name of Issuer)
Common Stock
(Title of Class of Securities)
92778N106
(CUSIP Number)
Check the following box if a fee is being paid with this statement [ ]. (A
fee is not required only if the filing person: (1) has a previous
statement on file reporting beneficial ownership of more than five percent
of the class of securities described in Item 1; and (2) has filed no
amendment subsequent thereto reporting beneficial ownership of five
percent or less of such class.) (See Rule 13d-7.)
* The remainder of this cover page shall be filled out for a reporting
person's initial filing on this form with respect to the subject class of
securities, and for any subsequent amendment containing information which
would alter the disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not be
deemed to be "filed" for the purposes of Section 18 of the Securities
Exchange Act of 1934 ("Act) or otherwise subject to the liabilities of
that section of the Act but shall be subject to all other provisions of
the Act (however, see the Notes).
<PAGE>
-------------------------------------------------------------------
13G
81359B102 PAGE 2 OF 5 PAGES
-------------------------------------------------------------------
NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
1 Second Bank & Trust 54-0185835
-------------------------------------------------------------------
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [ ]
2 (b) [ ]
-------------------------------------------------------------------
SEC USE ONLY
3
-------------------------------------------------------------------
CITIZENSHIP OR PLACE OF ORGANIZATION
4 a Virginia state-chartered bank
-------------------------------------------------------------------
NUMBER OF SOLE VOTING POWER
SHARES 5 0
-------------------------------------------------------------------
BENEFICIALLY SHARED VOTING POWER
OWNED BY 6 0
-------------------------------------------------------------------
EACH SOLE DISPOSITIVE POWER
REPORTING 7 52,341
-------------------------------------------------------------------
SHARED DISPOSITIVE POWER
PERSON WITH
8 40,970
-------------------------------------------------------------------
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
PERSON
9 93,311
-------------------------------------------------------------------
CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9)
EXCLUDES CERTAIN SHARES*
10
-------------------------------------------------------------------
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
11 4.6%
-------------------------------------------------------------------
TYPE OF REPORTING PERSON*
12 BK
-------------------------------------------------------------------
*SEE INSTRUCTION BEFORE FILLING OUT!
<PAGE>
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Schedule 13G
Under the Securities Exchange Act of 1934
Item 1(a) Name of Issuer: Virginia Commonwealth Financial Corp.
------------------------------------------
Item 1(b) Address of Issuer's Principal Executive Offices:
102 South Main Street
------------------------------------------
P.O. Box 71
------------------------------------------
Culpeper, Virginia 22701
------------------------------------------
Item 2(a) Name of Person Filing:
Second Bank & Trust
Item 2(b) Address of Principal Business Office or, if none,
Residence:
102 South Main Street
P.O. Box 71
Culpeper, Virginia 22701
Item 2(C) Citizenship:
a Virginia state-chartered bank
Item 2(d) Title of Class of Securities:
Common Stock
Item 2(e) CUSIP Number:
92778N106
Item 3. If this statement is filed pursuant to Rules
13d-1(b), or 13d-2(b), check whether the person
filing is a:
(b) [X] Bank as defined in Section 3(a)(6) of the Act
Item 4. Ownership.
See Responses to Items 7, 8, 9 and 11 of Cover Page.
<PAGE>
Item 5. Ownership of Five Percent or Less of a Class.
If this statement is being filed to report the fact that as of
the date hereof the reporting person has ceased to be the
beneficial owner of more than five percent of the class of
securities, check the following [X].
Item 6. Ownership of More than Five Percent on Behalf of Another Person.
The reported shares are held in various fiduciary accounts,
and accordingly, dividends, and the proceeds of such shares,
are payable to other persons, including such accounts, the
beneficiaries or settlors thereof or a combination of such
persons. In certain instances, other persons (including
beneficiaries and settlors) may be deemed to have the power to
direct receipt of dividends or the proceeds of the sale of
shares reported herein. To the best of the undersigned's
knowledge and belief, no one person has such and economic
interest relating to more than 5% of the class of reported
shares.
Item 7. Identification and Classification of the Subsidiary Which
Acquired the Security Being Reported on By the Parent
Holding Company.
N/A
Item 8. Identification and Classification of Members of the Group.
N/A
Item 9. Notice of Dissolution of Group.
N/A
Item 10. Certification
By signing below I certify that, to the best of my knowledge and belief, the
securities referred to above were acquired in the ordinary course of business
and were not acquired for the purpose of and do not have the effect of changing
or influencing the control of the issuer of such securities and were not
acquired in connection with or as a participant in any transaction having such
purposes or effect.
<PAGE>
SIGNATURE
After reasonable inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.
SECOND BANK & TRUST
By:
------------------------------------------------------------------
Signature
Name/Title: J. Quintin Mullins, SVP & Trust Officer
----------------------------------------------------------
Date:
---------------------------------------------------------------
