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Smith River Bankshares, Inc.
Patrick Henry Mall, Suite 12 730 East Church Street, Martinsville, VA 24112 * (540) 632-8092
Business Description The company is a newly formed bank holding company for the Smith River Community Bank, N.A.
Filing
Information

Not yet
public

To Trade As  - - (OTC) Industry  Financial (SIC 6712)
Type of Stock Offered Common Shares Filing Date  9/10/99
Domestic Shares Filed 912,500 Filing Price  $10.00
Foreign Shares Filed  0 Offering Amount  $9,125,000
Company Shares  912,500 Est. Expenses  - -
Selling Shrhldrs Shares  0 Post-IPO Shares  - -
Primary
Underwriting
Group
Underwriter NameParticipationUnderwriter Phone
Non Underwritten Offering Lead Manager  
Income
Statement
and
Cash Flow
Summary
  Prior
Audited
Income
Latest
Unaudited
Income
  Full Year Audited Figures 6 Months Ending
Figures in U.S. millions except per share data             6/30/99
Revenues   - - - - - - 0.002
Income from Oper.   - - - - - - -
Net Income   - - - - - - -0.140
E.P.S   - - - - - - -
Revenue Growth (%)      - - - -   -
Net Income Growth (%)      - - - -   -
Oper. Profit Margin (%)    - - - - - - -
Net Profit Margin (%)    - - - - - - -
Cash Flow - Oper.     - - -0.11
Cash Flow - Inv.     - - 0.00
Cash Flow - Fin.     - - 0.14
Balance Sheet
Summary
and
Financial
Ratios
Balance sheet as of: 6/30/99 Financial Ratios
Total Assets    0.04 Current Assets    0.04 Current Ratio    -
Total Liab.    0.18 Current Liab.    - Debt Ratio    413.80%
Total Equity    -0.14 Working Cap.    - Debt to Equity Ratio    -
Cash    0.03    Return on Assets   -
Use Of
Proceeds
The proceeds from the proposed offering will be used to pay the offering expenses incurred by the organizers/directors, to repurchase shares owned by the bank organizers, to capitalize the bank, to establish working capital and for general corporate purposes.
Legal Counsel
Registrar
Auditor
Issuer's Law Firm  Flipplin, Densmore, Morse, Rutherford & Jessee
Registrar/Transfer Agent  Self Administered
Auditor  McLeon & Company
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Last updated: 11/7/99 2:19:32 PM
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