Community Bankers Trust Corporation (ESXB)

The Company is the holding company for Essex Bank (the “Bank”), a Virginia state
bank with 23 full-service offices in Virginia and Maryland. The Bank also
operates one loan production office in Virginia.

The Bank was established in 1926. The Bank engages in a general commercial
banking business and provides a wide range of financial services primarily to
individuals and small businesses, including individual and commercial demand and
time deposit accounts, commercial and industrial loans, consumer and small
business loans, real estate and mortgage loans, investment services, on-line and
mobile banking products, and safe deposit box facilities.

Essex Services, Inc. is a wholly-owned subsidiary of the Bank. Essex Services
and its financial consultants offer a broad range of investment products and
alternatives through an affiliation with Infinex Investments, Inc., an
independent broker-dealer.  

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