Millennium Bankshares Corporation (Millennium) is a bank holding company. The Company provides commercial and consumer banking services through Millennium Bank National Association (the Bank). During the year ended December 31, 2007, Millennium had total loans of $243.4 million and deposits of $293.5 million. The Bank is a nationally chartered community bank with four banking offices: Reston, Herndon, Sterling and Warrenton, Virginia. The Bank provides a range of commercial and retail banking services designed to meet the needs of businesses and consumers in the communities it serves. The Bank offers around the clock Internet banking services. These services allow consumers and businesses to view accounts, make transfers, submit wire transfer requests, pay bills and place stop payments on checks over the Internet.