William P. Heath

StellarOne Corp. operates as a holding company for StellarOne Bank. The company through its subsidiaries provides banking products and services, including individual and commercial demand and time deposit accounts, commercial and consumer loans, residential mortgages, credit card services and deposit services. It operates through three segments: Commercial Banking, Wealth Management and Mortgage Banking. The Commercial Banking segment includes commercial, business and retail banking. It provides customers with products such as commercial loans, small business loans, real estate loans; business financing and consumer loans. In addition, this segment provides customers with several choices of deposit products including demand deposit accounts, savings accounts and certificates of deposit. The Wealth Management segment provides investment and financial advisory services to businesses and individuals, including financial planning, retirement planning, estate planning, trust and custody services, investment management, escrows, and retirement plans. The Mortgage Banking segment engages primarily in the origination and acquisition of residential mortgages for sale into the secondary market on a best-efforts basis. StellarOne was founded on September 13, 1911 and is headquartered in Charlottesville, VA.

The Group's principal activities are to provide consumer and commercial banking services. The Group's commercial and retail banking products and services include checking, savings and time deposits, individual retirement accounts, merchant bankcard processing, ATMs, residential and commercial mortgages, home equity loans, consumer installment loans, agricultural loans, small business, and FHA and SBA guaranteed loans, commercial loans, lines and letters of credit as well as trust services and investment products. As of 31-Dec-2006, it operated 27 branches, two loan production offices, telephone, and online banking. The Group operates in the United States.

First National Bank is a nationally chartered commercial bank. The firm offers personal, business banking services including digital banking, checking, cards, video banking, mortgage, auto, personal loans and online banking. It has offices in Ames, Ankeny, Johnston and West Des Moines. The company was founded by Sandor W. Shapery in 1903 and is headquartered in Ames, IA.