Offices located in Oconee, South Carolina
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     Beginning January 1,2010 Blue Ridge Bank will no longer participate in the FDIC's Transaction Account Guarantee Program. Thus, after December 31,2009, funds held in noninterest-bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC's general deposit insurance rules.

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