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Middleburg Bank, a division of Access National Bank.

MONDAY, JANUARY 21 - The Bank will be closed Martin Luther King Jr. Day. We will reopen Tuesday, January 22 during regular business hours.

News & Announcements

Union Bankshares Corporation and Access National Corporation

CEO Letter on Merger

Dear Valued Client:

We sincerely value your business and strive to meet and exceed your needs and expectations at every turn. In our quest to serve you most effectively, we recently announced our plan to merge with Union Bankshares Corporation. The executive leadership of Access views this all-stock transaction as an investment with Union to create Virginia’s Regional Bank designed to meet your needs more effectively.
If the two banks were combined today, they would have around $16.0 billion in assets, $11.9 billion in deposits and $11.4 billion in loans using the latest reported numbers. After we combine, Union will have 153 branches and more than 200 ATMs across Virginia and in select locations in North Carolina and Maryland. As a result you will find added convenience in more locations where you live, work and play.

Furthermore, the bank will be able to better keep pace with new and improved products and services of increased sophistication and technology, but with the same high touch customer experience you’ve enjoyed with Access National Bank and our Middleburg Bank division.

While Union is expanding our network as Virginia’s Regional Bank, some things will never change like – our commitment to our clients, the communities we serve and a goal of best-in-class client experience.

The merger is scheduled to be completed in early 2019 and until then, Access and Union will operate the banks independently of one another. Once the Access National Bank and Middleburg Bank systems are converted to Union, expected in the second quarter of 2019, the branches will become part of the convenient Union network.

As various milestones are achieved, we’ll keep you informed on our website, or at Please also see our Frequently Asked Questions document on our website; we will update this document as we have merger-related details. If you have any questions in the meantime, please feel free contact your relationship manager or myself at 703-871-2100.

Our mission is to make the merger transition seamless and positive for you as we add new capabilities and enhanced convenience. We look forward to serving your financial needs today and tomorrow. Thank you for banking with what is soon to be Virginia’s Regional Bank.


Michael W. Clarke
Chief Executive Officer
Access National Bank

Read more information in the Press Release.

Merger Client FAQs

Why is Access National Corporation entering into a merger with Union Bankshares Corporation?
Our merger with Union allows our clients, associates and shareholders to realize benefits of scale it would have taken years for us to accomplish independently. Like Access, Union is a strong bank headquartered in Virginia. We have much in common, including a shared culture of client focus and relationship banking.

After combining, the combined company will operate 153 branches and more than 200 ATMs across Virginia and in select locations in North Carolina and Maryland. Our size and footprint will be unmatched by any other bank based in Virginia as we will have locations where you live, work and play.

Based on financial data as of June 30, 2018, if our merger were complete today, the combined company would have assets of $16.0 billion, deposits of $11.9 billion and loans of $11.4 billion.
This merger with the “new Union” creates “Virginia’s regional bank,” something that Virginia has not had for about 20 years since great franchises like Crestar, Signet, Central Fidelity, Sovran and First Virginia were each acquired by out-of- state banks.

Who is Union? How big are they? Where are they based?
Union is a $13.1 billion financial organization headquartered in Richmond. They operate 140 branches – primarily in Virginia and with some in North Carolina and a few on the eastern shore of Maryland. Their branch network complements our footprint and will give Access a far greater presence in Richmond and entry to the Hampton Roads market.

When will all this happen?
Now that the deal is announced, the two companies are beginning the process of obtaining regulatory and shareholder approval. It is expected that legal closing for the merger will occur in early 2019. For our clients it will be business as usual until core systems conversion, which is projected for second quarter 2019.

Will the name change for Access National Bank and its Middleburg Bank division? How about wealth management, trust and mortgage?
Yes, the bank’s name will change. The combined bank will be named Union Bank & Trust, which is a strong brand throughout Virginia. At the time of systems conversion, currently projected for second quarter 2019, Access and Middleburg branch locations will convert to the Union Bank & Trust name.

Our trust and wealth divisions will not change their names. In fact, Union’s Wealth Management Group will convert to the Middleburg Wealth / Middleburg Trust name.

Will our headquarters move from Reston?
Yes. The Union headquarters is in Richmond.

What is happening to my Relationship Manager – the person we know and rely on for service, responsiveness, and on-target financial solutions?
Our team of Relationship Managers is one of the most important reasons Union wanted Access as part of their future. They will still be your go-to bankers, and will most likely remain in the same location where they are today. We do not envision any material relocations or changes in the job functions or authorities for our talented front-line personnel.

How will clients benefit from this merger?
We are excited about our merger with Union which will bring enhanced lending capabilities, additional locations throughout the Commonwealth (plus some in North Carolina and the eastern shore of Maryland), and a greater selection of product offerings for our clients.

Our business clients who constantly challenge us with increasing loan amounts near our legal lending limit of $35 million, will be pleased to know the combined bank will have a capacity of about 5 times that size!

Will the core systems conversion impact my account?
There are no changes at this time. Until the core systems conversion, which is expected to occur in second quarter 2019, takes place, Access will continue to operate under the Access name (as a division of Union) and use our current operating systems. Access clients will continue to use their same checks, debit card, online banking access, etc.
We will communicate any changes well in advance of core systems conversion, which is expected to occur in second quarter 2019.

Will the terms of my loan change?
No, there will be no changes to your current loans.

While things are fine now, I experienced some issues when Middleburg Bank’s systems converted to Access. How will you do this time?
We regret that you had a negative experience when we converted systems in connection with our merger with Middleburg. We noted lessons learned so that we may apply them to the next conversion. Also, Union has successfully completed several mergers, including Xenith earlier this year (Xenith was a little larger than Access). Union has a track record of successful bank mergers and systems conversions. We will work hard to make this a seamless transition for you and will communicate any changes well in advance.

I used to have a free checking account with Middleburg Bank and now my account has a balance requirement. I understand that Union offers free checking? Is that correct?
Union has a strong legacy / competency in consumer banking and has products and policies that have a broader appeal than Access products and policies. For example, yes, Union offers free checking. We will keep you apprised of any product changes as we strive to make the transition seamless and positive for you.

I’ve been an Access client for some time and I appreciate the bank’s attention to and expertise in my industry. Will that change with the merger?
No. The industry expertise among our team of Relationship Managers is one of the most important reasons Union wanted Access as part of their future. You can expect the same attention going forward, but with the benefits of added scale which include a higher lending limit and a greater selection of product offerings – that will allow the combined company to even better serve you and others in your industry.

Will I be able to use a Union branch location?
Not yet. Until the conversion and integration is complete, the branches operating under the Union name will use different systems than Access and Middleburg branches. You should continue to use Access and Middleburg as your bank until conversion which is expected to occur in the second quarter 2019. We will communicate details to you well in advance of core systems conversion.

Will Access close branches? Will Union?
Very little overlap exists between Access and Union locations; therefore, we expect very few branch closures. Any closures will be communicated as soon as the determination is made, well before the anticipated closure date. Upon consolidation of any branches, impacted employees will be transitioned to other branch locations, so our clients will continue to see familiar faces.

I have a question that isn’t answered here….how can I get an answer?
We will be continually updating the Frequently Asked Questions (FAQs) as we know more details. In the meantime, please reach out to your Relationship Manager or your local Financial Service Center if you have additional questions.

Important Additional Information will be Filed with the SEC
This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities or a solicitation of any vote or approval with respect to the proposed acquisition by Union Bankshares Corporation (“Union”) of Access National Corporation (“Access”). No offer of securities shall be made except by means of a prospectus meeting the requirements of the Securities Act of 1933, as amended, and no offer to sell or solicitation of an offer to buy shall be made in any jurisdiction in which such offer, solicitation or sale would be unlawful.

In connection with the proposed acquisition, Union will file with the U.S. Securities and Exchange Commission (“SEC”) a Registration Statement on Form S-4 that will include a joint proxy statement of Union and Access and a prospectus of Union (the “Joint Proxy/Prospectus”), and each of Union and Access may file with the SEC other relevant documents concerning the proposed transaction. A definitive Joint Proxy/Prospectus will be sent to the shareholders of Union and Access. Investors and shareholders of Union and Access are urged to read carefully and in their entirety the Registration Statement and Joint Proxy/Prospectus when they become available and any other relevant documents filed with the SEC by Union and Access, as well as any amendments or supplements to those documents, because they will contain important information about the proposed transaction.

Investors and shareholders may obtain free copies of the Registration Statement and the Joint Proxy/Prospectus (when available) and other documents filed with the SEC by Union and Access through the website maintained by the SEC at Free copies of the Registration Statement and the Joint Proxy/Prospectus and other documents filed with the SEC also may be obtained by directing a request by telephone or mail to Union Bankshares Corporation, 1051 East Cary Street, Suite 1200, Richmond, Virginia 23219, Attention: Investor Relations (telephone: (804) 633-5031), or Access National Corporation, 1800 Robert Fulton Drive, Suite 300, Reston, VA 20191. Attention: Sheila Linton (telephone: (703) 871-2100,) or by accessing Union’s website at under “Investor Relations” or Access’s website at under “Investor Relations.” The information on Union’s and Access’s websites is not, and shall not be deemed to be, a part of this communication or incorporated into other filings either company makes with the SEC.

Participants in the Solicitation
Union, Access and their respective directors and certain of their executive officers and employees may be deemed to be participants in the solicitation of proxies from the shareholders of Union or Access in connection with the proposed transaction. Information about the directors and executive officers of Union and their ownership of Union common stock is set forth in the proxy statement for Union’s 2018 annual meeting of shareholders, which was filed with the SEC on March 21, 2018. Information about the directors and executive officers of Access and their ownership of Access common stock is set forth in the proxy statement for Access’s 2018 annual meeting of shareholders, which was filed with the SEC on April 12, 2018. Information regarding the persons who may, under the rules of the SEC, be deemed participants in the proxy solicitation and a description of their direct and indirect interests, by security holdings or otherwise, will be contained in the Joint Proxy/Prospectus and other relevant materials to be filed with the SEC when they become available. Free copies of these documents may be obtained as described above.

Forward-Looking Statements
Certain statements in this communication may constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, projections, predictions, expectations, or beliefs about future events or results and are not statements of historical fact. Such statements also include statements as to the anticipated impact of the Union acquisition of Access, including future financial and operating results, ability to successfully integrate the combined businesses, the amount of cost savings, overall operational efficiencies and enhanced revenues as well as other statements regarding the acquisition. Such forward-looking statements are based on various assumptions as of the time they are made, and are inherently subject to known and unknown risks, uncertainties and other factors that may cause actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. Forward-looking statements are often accompanied by words that convey projected future events or outcomes such as “expect,” “believe,” “estimate,” “plan,” “project,” “anticipate,” “intend,” “will,” “may,” “view,” “opportunity,” “potential,” or words of similar meaning or other statements concerning opinions or judgment of Union or Access or their management about future events. Although each of Union and Access believes that its expectations with respect to forward-looking statements are based upon reasonable assumptions within the bounds of its existing knowledge of its business and operations, there can be no assurance that actual results, performance, or achievements of Union or Access will not differ materially from any projected future results, performance, or achievements expressed or implied by such forward-looking statements. Actual future results performance, or achievements may differ materially from historical results or those anticipated depending on a variety of factors, including but not limited to, the businesses of Union and Access may not be integrated successfully or such integration may be more difficult, time-consuming or costly than expected, expected revenue synergies and cost savings from the proposed acquisition may not be fully realized or realized within the expected time frame, revenues following the proposed acquisition may be lower than expected, customer and employee relationships and business operations may be disrupted by the proposed acquisition, the diversion of management time on acquisition-related issues, changes in Union’s share price before closing, risks relating to the potential dilutive effect of shares of Union common stock to be issued in the proposed transaction, the ability to obtain regulatory, shareholder or other approvals or other conditions to closing on a timely basis or at all, the ability to close the proposed acquisition on the expected timeframe, or at all, and that closing may be more difficult, time-consuming or costly than expected, the reaction to the proposed acquisition of the companies’ customers, employees and counterparties, and other risk factors, many of which are beyond the control of Union and Access. We refer you to the “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” sections of Union’s Annual Report on Form 10-K for the year ended December 31, 2017, and Access’s Annual Report on Form 10-K for the year ended December 31, 2017 and comparable “risk factors” sections of Union’s and Access’s Quarterly Reports on Form 10-Q and other filings, which have been filed with the SEC and are available on the SEC’s website at All of the forward-looking statements made in this communication are expressly qualified by the cautionary statements contained or referred to herein. The actual results or developments anticipated may not be realized or, even if substantially realized, they may not have the expected consequences to or effects on Union, Access or their respective businesses or operations. Readers are cautioned not to rely too heavily on the forward-looking statements contained in this communication. Forward-looking statements speak only as of the date they are made and neither Union nor Access undertakes any obligation to update, revise or clarify these forward-looking statements, whether as a result of new information, future events or otherwise.

Middleburg Bank — Routing Number FAQs

  1. Can I continue using my Middleburg Bank checks with the old routing number?
    Yes, please continue using your current check inventory. Middleburg Bank's routing number remains in effect indefinitely. The routing number on your checks will only change to Access National Bank's when you need to reorder.
  2. What is the Access National Bank routing number?
    Access National Bank's routing number is 056009039.
  3. What do I need to do about my existing automatic (ACH) deposits and payments?
    Nothing — Middleburg Bank's routing number remains in effect indefinitely. Your existing automatic payments and direct deposits are not affected.
  4. What if I need to establish a new ACH payment or direct deposit? What routing number do I provide if someone is wiring funds to my account?
    For any NEW direct deposits, automatic payments, or incoming wire transfers, please use Access National Bank's routing number: 056009039.

Important Information Regarding the Bank Secrecy Act's Beneficial Ownership Rule

Effective May 11, 2018, under the Bank Secrecy Act's "Beneficial Ownership" rule under 31 CFR 1010.230, all financial institutions will be required to ask for additional information when new commercial deposit/loan accounts are opened, or existing ones are changed. This rule is intended to assist the government and law enforcement in combating money laundering and the financing of terrorism and applies to all U.S. financial institutions and their business clients.

Nothing is required of you until each time you open a new account or change an existing account. The purpose of this communication is to inform you of the new Beneficial Ownership Rule.

Access National Bank will request information about Beneficial Owners of Legal Entity Customers when opening or renewing a deposit, loan, or safe deposit box account as it relates to the following:

  1. Ownership — Any individual who directly or indirectly owns 25% or more of the equity interests in the legal entity. Up to four individuals may be identified. In some cases, there may not be an individual identified under ownership, i.e., if no individual owns 25% or more.

  2. Control — The control factor requires one (1) identified individual (usually an account signer) with significant managerial control over the legal entity, e.g., an executive officer, senior manager, or any other individual who regularly performs similar functions. An individual identified under ownership can also be identified as the control person.

Any beneficial owner will need to provide a copy of one form of identification, such as a driver's license or passport, if we do not already have it on file. The identified control person of each covered entity is required to complete a certification form and provide personal identification information, i.e., date of birth, social security number, residential address, and telephone number.

Certain exemptions apply, such as sole proprietors and unincorporated associations. We will guide clients through the beneficial ownership requirements as it pertains to their account(s).

Please contact 703-777-6327 if you have any questions about this upcoming requirement for business clients. 

Access National Bank Offers Support to Businesses Affected by Potential Government Shutdown or Disruption

RESTON, Va. –  As threats of a potential government shutdown and disruption of funds gain momentum, Access National Bank (“Access”) reaffirms its promise to assist government contractors and other impacted businesses in the wake of political and fiscal turbulence.

“During periods of government uncertainty that can impact the finances of the private sector, we feel it is important to contact your bank to see what pragmatic solutions they can offer,” said Mark Moore, President of Access.

Clients of the Bank reported challenges associated with the 2013 shutdown and concerns of a similar nature arising earlier this year. Access retains a variety of short-term options for its commercial banking clients.

The banking team at Access and its Middleburg Bank division work one-on-one with clients to reduce cash flow funding disruptions in industry-specific segments. Government Contracting, in particular, is the Bank’s No. 1 industry vertical.

“We take our role as trusted advisors seriously, especially in this vital segment of the economy,” Moore added. “We stand behind our clients and can provide adjustments to conventional borrowing and modifications to existing loan terms to ensure a continuation of cash flow.”

“We have been down this path before—and there is no published ‘playbook’ to follow, per se,” said Adam Nalls, SVP and leader of the Bank’s Government Contracting segment. “However, our team has the experience to swiftly provide a nuanced approach to problem-solving.”

Both Moore and Nalls encourage any business affected by a potential government shutdown or disruption or other challenges to contact an Access banking relationship manager to discuss resolutions, questions, and concerns.

“Regardless of whether or not Congress and the Executive branch reach an agreement, the looming dynamics underscore why businesses must feel secure about their banking relationships,” Moore said.​

Access National Bank Promotes Chhaya Muth to Vice President to Continue Leading Alexandria Financial Service Center

Chhaya Muth
ALEXANDRIA, Va. — Access National Bank (“Access”) has promoted Chhaya Muth to Vice President to continue leading its fastest-growing Financial Service Center (“FSC”) in Alexandria.

“I am thrilled to be part of the Access team and contribute to our success in Alexandria,” Muth said. “I look forward to continuing to help my current clients, business partners, and prospects achieve new financial heights.”

Muth joined the Bank in 2016 upon the opening of its Alexandria FSC. Under his leadership, the Alexandria FSC is the most successful in the Bank’s history, with branch deposits exceeding $130 million before the two-year anniversary.

As a steward in the Alexandria community, Muth is a board member and the Resource Development Committee Chair for Alexandria-based nonprofit, New Hope Housing. He also serves on the board and is the Membership Committee Chair for Eisenhower Partnership, winning the organization’s Rising Star award for leading its growth in 2018.

“Alexandria is a financially-rich market and Chhaya has contributed to Access’s tremendous growth in the area in a short timeframe,” said Cindy Caldwell, SVP and Client Services Regional Executive for Access. “As we kick off 2019, we are confident Chhaya will continue his trend of success in the area to serve current and prospective clients in new ways.”

Access National Bank Welcomes Government Contractor Banker, Daniel L. Hampton, SVP, to its Expanding Commercial Lending Segment

Daniel Hampton
RESTON, Va. —  Access National Bank (“Access”) welcomes Daniel L. Hampton as Senior Vice President to its expanding government contracting commercial lending segment.

“I have always admired Access National Bank as one of the most trusted banks in our market, especially among the government contracting community,” Hampton said.

Hampton previously worked as the lead government contracting lender at John Marshall Bank and Alliance Bank here in Northern Virginia. He specializes in creative solutions tailored to each client’s lending, depository, and cash management needs.

Hampton’s banking career began at BB&T upon his graduation from Elon University’s Martha and Spencer Love School of Business, from which he earned a Bachelor of Science in Business Administration and Management Information Systems. While at BB&T, he jumpstarted his career as a commercial lender through their Management Development Training Program.

“As a government contracting-focused lender, it is exciting to join a team that understands the unique needs of this industry,” he added. “Access has the expertise and solutions to assist not only government contractors but other industries as well. I look forward to building on their trend of excellence.”

In addition to his lending career, Hampton is active in his community. He founded and currently serves as the President of Backpack Buddies Foundation of Loudoun, Inc., a 501(c)(3) nonprofit that helps school-aged children in Loudoun County access meals on the weekends. He is also a member of the Rotary Club of Leesburg, having served as their Treasurer and President.

“Daniel is an experienced government contracting banker and adding him to our growing team further demonstrates the Bank’s commitment to this market,” said Adam Nalls, SVP and leader of Access National Bank’s government contracting segment. “Our clients will benefit from his knowledge across all areas of lending and depository services.”

Access National Bank Promotes Roland St. Clair-Barrie to Vice President in its Commercial Lending Team

Roland St. Clair-Barrie
RESTON, Va. —  Access National Bank (“Access”) has promoted Roland St. Clair-Barrie to Vice President in its Commercial Lending team.

“Access National Bank has proven its commitment to our clients through accessibility, knowledge of the local economic environment, and agility in responding to their needs,” St. Clair-Barrie said. “I am proud to continue serving our diverse clientele and continue building more long-term business relationships with the professionals in our expanding footprint.”

St. Clair-Barrie joined Access in November 2016 as Assistant Vice President in its Commercial Lending team, focusing on growing the Bank’s commercial lending portfolio in various segments.

In his expanded role, St. Clair-Barrie will continue his contributions to the Bank’s portfolio growth through commercial and industrial (C&I) financing, asset-based lending (primarily to government contractors), and commercial real estate transactions, serving small- to middle-market businesses with $1-$200 million in annual revenue.

St. Clair-Barrie’s career began upon his graduation from the University of Lynchburg with a Bachelor of Arts in Business Administration. Prior to becoming a lender, he worked as a commercial underwriting analyst and bank officer, supporting the credit, risk management, regulatory, and distribution functions of commercial customers.

He is also an active member and contributor to many local organizations, including the Northern Virginia Chamber of Commerce, the Reston Chamber of Commerce, and the Small and Emerging Contractor’s Advisory Forum.

“Roly approaches every current and prospective client with the goal of creating immediate value through his vast market knowledge and ability to provide full-service financial solutions,” said David Talebian, EVP and Group Manager at Access. “He is a client-focused banker and we look forward to his continued success as we continue to grow.”

Rafael Martinez, CTP, VP, Commercial Lending Elected President of the Washington Metropolitan Chapter of the Community Association Institute

Rafael Martinez
Congratulations to Rafael Martinez, CTP, VP, Commercial Lending at Access National Bank (“Access”), who was sworn in as President of the Washington Metropolitan Chapter of the Community Association Institute (WMCCAI). Martinez has been a member of WMCCAI since 2008, serving on various committees and its Board of Directors prior to his election as Chapter President.

“I am honored to be entrusted with the leadership of an organization that leads the way on education and advocacy for common interest community stakeholders while representing Access National Bank, which recognizes the importance of the industry and has invested resources to provide support for WMCCAI’s mission,” Martinez said.

Martinez currently leads Access’s community association segment with more than 10 years of industry experience in community association and nonprofit treasury management and lending.

WMCCAI is a 501(c)(6) organization and the largest Community Associations Institute chapter globally, serving more than 3,000 members including community association leaders and residents, community managers, community association management firms, and companies serving community associations.

“I am looking forward to building upon the success this organization has established for the industry over the last 41 years,” he added.

“On behalf of the senior lending team, I would like to congratulate Rafael on his election as WMCCAI’s president,” said David Talebian, EVP and Group Manager for Access. “Rafael’s investment in our community translates into his work as a trusted advisor for our community association segment, giving our clients the tools to reach new financial milestones.”

Access National Bank Congratulates Its Clients Named Finalists for the 2018 Greater Washington Government Contractor Awards

RESTON, Va. — Access National Bank (“Access”) extends its congratulations to clients nominated for this year’s Greater Washington Government Contractor Awards, presented by the Northern Virginia Chamber of Commerce and the Professional Services Council.

“Government contracting is an incredibly dynamic community,” Adam Nalls, SVP and Group Manager at Access National Bank, said. Nalls leads Access’s Government Contracting Segment. “We are thankful to work with these organizations on a daily basis and witness their impact on the industry.”

The 16th annual Greater Washington Government Contractor Awards recognizes the “best-in-class among the government contracting industry.”

Among those nominated for one of the four Contractor of the Year Awards (COTY) is Evans Incorporated (COTY up to $25 million in annual revenue), Invictus International Consulting (COTY up to $25 million in annual revenue), Ad Hoc (COTY $25-75 million in annual revenue), Atlas Research (COTY $25-75 million in annual revenue), and Attain (COTY $75-300 million in annual revenue). In addition, Attain CEO and Chairman, Greg Baroni, is nominated for Executive of the Year ($75-300 million in annual revenue).

“We are excited to see these companies receive the recognition they deserve,” said Mark Moore, President of Access. “Their success gives us the ability to leverage more on-target solutions for our government contracting segment clients. Our team looks forward to their continued success as we finish out the last quarter of 2018 and move into the new year.”

The winners will be announced at the Annual Awards Gala on Nov. 5.

Access National Bank Welcomes Veronica Sharifaie, AVP, to its Expanding Commercial Lending Team to Assist Dental Segment Growth

Veronica Sharifaie
RESTON, Va. — Access National Bank (“Access”) welcomes Veronica Sharifaie as Assistant Vice President to its expanding Commercial Lending Team. Sharifaie rejoins Access as a Commercial Lending Officer to assist with the growth of the Bank’s dental segment.

“I am proud to rejoin the area’s premier community bank,” Sharifaie said. “I am eager to make my contributions to Access’s continued success.”

Sharifaie transitioned into Commercial Banking in 2006 with Access National Bank after starting her career as a Relationship Banking Manager at BB&T and later as a Consumer Loan Processor/Underwriter with JPMorgan Chase. During her initial tenure at Access, she held various positions, including Portfolio Management Associate, Loan Documentation Analyst, and Credit Analyst/Real Estate Manager.

She later gained experience with Commercial Real Estate while working as a Commercial Real Estate and Credit Analyst at Virginia Heritage Bank in Tysons Corner.

Most recently, she served as Vice President, Portfolio Management Officer with Freedom Bank in Fairfax, where she continued to focus on commercial real estate transactions, such as acquisition, development and construction analysis, and cash flow analysis of income-producing properties.

“I am particularly excited to rejoin Access now that I have had the opportunity to observe the Bank from the viewpoint of a competitor,” Sharifaie added. “From this perspective, I am impressed with how Access can achieve significant growth while remaining committed to its core values and the communities it serves.”

Outside of banking, Sharifaie has been an active member of the Risk Management Association Potomac Chapter since 2014. She is slated as the incoming president after serving as vice president since 2015.

“Veronica is a gifted lender whose skills transcend many important industry verticals,” said John Yaremchuk, EVP and leader of the Bank’s dental segment. “I am delighted to have her on this emergent dental team as we gain increasing momentum for a prosperous 2019 and beyond.”

Access National Bank Welcomes Thomas Davis as Senior Vice President in Its Expanding Commercial Lending Team

Tom Davis
RESTON, Va. — Access National Bank (“Access”) has added Thomas “Tom” Davis as Senior Vice President in its expanding Commercial Lending department.

“I admire community banks and support their mission, so I am thrilled to join Access National Bank’s talented commercial lending team,” Davis said. “I am eager to assist the Bank in achieving its strategic objectives as we close out 2018 and plan for the coming year.”

Davis has spent the majority of his 27-year banking career in the same geographic footprint as Access. Over the last 18 years, he focused on building and managing high-performing, middle-market commercial customers.

Before joining Access, Davis served as Senior Vice President and Relationship Manager for John Marshall Bank and was instrumental in developing a strong market presence for John Marshall, continuing his track record of accomplishments throughout his career.

“Access has built a terrific reputation within the Northern Virginia business community, and I look forward to continuing that trend of excellence,” he added.

Davis’s career began upon graduating with a Bachelor of Arts degree from New England College, with a minor in economics. He diversified his banking knowledge with courses offered by the Risk Management Association, American Institute of Banking, and American Bankers Association in lending, credit, and management.

The Greater Reston Chamber of Commerce, Northern Virginia Chamber of Commerce, Celebrate Fairfax, Northern Virginia Building Industry Association, the Catholic Business Network, and local Rotary and Optimist groups are among Davis’s extensive community involvement.

“Tom has established deep relationships in our local market and can leverage those relationships to expand beyond the standard industry parameters,” Mark Moore, President of Access, said. “His skills and connections will help our organization grow while maintaining our roots in serving small- to middle-market businesses.

“We are delighted to have such a dynamic banker on this team and look forward to a prosperous year-end and beyond for the Bank and our clients.”

Access National Bank and its Middleburg Bank Division Welcome Stephen Witt, SVP, Commercial Lending to Gainesville Financial Service Center

Stephen Witt
GAINESVILLE, Va. —  Access National Bank (“Access”) has added Stephen Witt as Senior Vice President, serving as a Commercial Relationship Manager to assist commercial lending expansion in Prince William County.

Witt is a long-term resident of Prince William County, bringing more than 15 years of retail, business development, and commercial lending experience in the area with the ability to lend in all commercial segments.

“The banking industry is a competitive marketplace, and the local business community thrives on the services provided by community banks,” Witt said. “Access is a leader in supporting the diverse needs of their clients and surrounding communities through on-target financial solutions.

“I am delighted to be a member of this talented team of bankers and look forward to helping the Bank expand their mission while increasing shareholder value.”

His banking career began upon his graduation from Longwood University in 2003 at First Virginia Bank as a member of FVB’s Management Development Program. He later ascended the ranks with increased responsibility at BB&T, Washington First, Virginia Commerce Bank, and Freedom Bank.

In addition to his leadership strength in banking, Witt is also a graduate of Leadership Prince William County and the Virginia Bankers Association (VBA) Leadership Institute. He has held governance positions with Youth for Tomorrow, Business Finance Group, VBA, and Bridlewood Swim Team.

“With 2018 more than half-over, our current and prospective clients are racing to finish the year out strong,” said David Leudemann, EVP of Commercial Banking at Access’s Middleburg Bank division. “Stephen’s banking background, as well as his commitment to serving his community outside the financial realm, will be the catalyst for our clients to reach their year-end goals while helping them plan for 2019 and beyond.

“His experience is a substantial benefit to small- and middle-market businesses in Prince William and Loudoun Counties.”

James Sams, AVP, Commercial Lending Graduates in Top 10 Percent at Virginia Bankers Association School of Bank Management

James Sams
Congratulations to James Sams, AVP, Commercial Lending, who graduated in the top 10 percent this past week from the Virginia Bankers Association School of Bank Management. 

"I am honored to have been given the opportunity to attend the School of Bank Management and represent Access National Bank," Sams said. "Access has a tremendous commitment to helping employees achieve a higher level of success."

The three one-week summer sessions are offered through the Virginia Bankers Association and "provide a multidimensional educational experience in banking," with lectures, case studies, and home study problems.

Sams added, "The knowledge gained and relationships made during my three years in the program established a strong foundation, allowing me to advance my banking career further."

"On behalf of all senior lenders, I would like to congratulate James for his success in bank school," said Adam Nalls, SVP, Commercial Lending & Group Manager for Access. "He is a talented young lender who embodies the 'trusted advisor' mantra. With his accomplishments, we look forward to watching him grow even further while propelling our clients to greater financial heights."

Access National Bank Extends Partnership with Western Fairfax Christian Ministries

RESTON, Va. —  Access National Bank (“Access”) is committed to making a difference in the community it serves and is proud to extend its partnership with Western Fairfax Christian Ministries (WFCM) with a $2,500 contribution to hundreds of individuals and families in the Dulles Corridor.

“We are honored to maintain a long-standing relationship with Access National Bank,” Rebecca H. Kolowé, WFCM Executive Director, said, “because they, like us, understand that hunger is not just something people experience during the holidays. Access makes a positive difference in the lives of our neighbors throughout the year by working as a financial mentor.”

Access National Bank employees, Diane Holland and Cindy Caldwell, hold a large check with Western Fairfax Christian Ministries employees, Rebecca Kolowe and Mary Ellen Walsh

From left to right: Diane Holland, VP, Financial Service Center and Relationship Manager, Access National Bank; Mary Ellen Walsh, Director of Development, Western Fairfax Christian Ministries; Rebecca Kolowé, Executive Director, Western Fairfax Christian Ministries; Cindy Caldwell, SVP, Client Services Regional Executive, Access National Bank

Access employees have served on the WFCM Board and assisted with fundraising through networking in the community.

“Their guidance has supported close to 400 families and more than 1,000 individuals visiting our pantry every month,” Kolowé added.

WFCM serves the Chantilly, Centreville, Clifton, Fairfax Station, and Fair Oaks regions of Fairfax County by providing emergency financial assistance for rent, utilities, and other basic necessities to families living below the poverty line (defined by an annual income of $23,850 for a family of four, according to the U.S. Census Bureau).

“As a community bank, we embrace our responsibility to support and empower local, community-based organizations serving important constituencies who are often overlooked by mainstream society,” Michael Clarke, Access National Bank CEO, said. “This work is critical to upholding and enhancing the quality of life that makes Virginia a great place to live and work. We are privileged to be afforded the opportunity to share our nonprofit industry expertise and help contribute to WFCM’s impact and growth.”

Charles Kapur, VP, Treasury Sales Officer Wins Greater Reston Chamber of Commerce Pinnacle Award

Charles Kapur
RESTON, Va. — Charles Kapur, VP, Treasury Sales Officer at Access National Bank, is this year’s recipient of the Greater Reston Chamber of Commerce Pinnacle Award. Kapur received the award recognition for his unprecedented two-year service as Chairman of the Chamber Board of Directors.

“I am honored to represent Access National Bank as this year’s Pinnacle Award recipient,” Kapur said. “My colleagues and I appreciate the deep legacy Access has established with the Reston business community.”

The Awards for Chamber Excellence, or ACE Awards, honor “outstanding businesses, volunteers and committees that are leaders in their industry and support the mission of the Reston Chamber.”

The Pinnacle Award is open to anyone who has previously won an ACE Award. Kapur previously won for “Committee of the Year” in 2014 as co-chair of the Chamber Membership Committee. He also received the President’s Award in 2016.

Kapur has a long-standing history with the Reston Chamber. In addition to his duties as Chairman and Membership Committee Co-Chair, Kapur served as Treasurer for two years as well as Chair-Elect.

“I am looking forward to helping the continual growth of our Reston neighbors and upholding the Reston Chamber’s mission in supporting local commerce,” Kapur added.

Access National Bank CEO Michael Clarke—who has previously served as the Reston Chamber Chairman—said Kapur has “routinely proven his dedication to healthy business advancement” in the greater Reston community.

“On behalf of all senior management, I would like to congratulate Charles on his well-deserved recognition,” Clarke said. “His insight for growing our clients in Western Fairfax County and in the Dulles Corridor over the years is the fuel igniting the future for this prosperous area.”

Access National Bank Welcomes B. Drew Brown, SVP, to Commercial Lending Team to Lead Efforts in Prince William County Expansion

Drew Brown, SVP, Commercial Lending
RESTON, Va. — Access National Bank (“Access”) has added B. Drew Brown as Senior Vice President in its expanding Commercial Lending department.

As a long-term resident of Prince William County, Brown will lead the efforts to accelerate and expand Access’s significant growth in the area, while continuing to work closely with clients throughout the Bank’s current marketplace.

“Access has the capacity to serve the industries that drive Northern Virginia and the D.C. Metro area, but it also has the appetite to expand beyond standard industry parameters,” Brown said. “I am eager to work with this team of talented lenders to help leverage a new level of growth for the Access business model.”

He began his career as a teller for local community banks in Virginia and eventually ascended the ranks while receiving management certification at the Virginia Bankers School of Management.

With 34 years of experience in the local D.C. banking industry, Brown is a seasoned commercial lender and relationship manager. His illustrious career has targeted many corporate banking verticals pertinent to Access’s client success, including medical services, government contracting, construction, real estate, non-profits and technology services.

Most recently, Brown served as Senior Vice President, Commercial Lending at John Marshall Bank, where he managed a commercial lending team and had core responsibilities associated with new and existing customer business development as well as client relationship management.

Additionally, Brown is an active member of many local area chambers of commerce and other business organizations and serves on various committees for Community Havens, Business Finance Group and Fight 4 Diabetes Cure.

“Prince William County and surrounding communities are financially fertile regions with untapped potential and we could not be more thankful to have Drew on board to advance the process,” Access National Bank President, Mark Moore, said. “His background and community involvement will be a considerable benefit to prospective and current clients as we, and our clients, finish out 2018 in very strong fashion and prepare for 2019 and beyond.”

Access National Bank Welcomes Mark Wright, SVP, to Commercial Lending Team

Mark Wright, SVP, Commercial Lending
RESTON, Va. — Access National Bank (“Access”) has added Mark E. Wright to its expanding commercial lending team, serving as Senior Vice President.

“As consolidation in the industry brings increasing changes to the banking landscape, it is easy to recognize the value community banks provide to local businesses,” Wright said. “Access is a distinguished market leader in delivering tailored solutions to its clients, and I am delighted to be part of the team.”

Wright is a seasoned commercial banker with more than 30 years of experience at both large regional and community banks. As a native of Virginia, he began his banking career at a community bank in Roanoke upon graduating from Virginia Tech with a degree in Business Finance.

He later accepted a position at SunTrust in Northern Virginia, serving the needs of commercial clients. Afterward, Wright spent 10 years in community banking, expanding his focus to include commercial real estate.

Wright brings a broad range of commercial lending experience in a variety of industries, along with experience with commercial real estate investors and developers.

“I am thrilled to welcome a banker of Mark’s caliber to our team, as we continue expanding our commercial lending portfolio,” Mark Moore, President at Access National Bank said. “He embodies the trusted advisor model of Access National Bank, and our current and prospective clients will benefit from his expertise.”

Middleburg Bank, a division of Access National Bank, Welcomes Vickie Hanel as Manager of Purcellville Financial Service Center

PURCELLVILLE, Va. — Middleburg Bank, a division of Access National Bank (collectively, “Access”), has hired Vickie Hanel to lead its Purcellville Financial Service Center.

“I am honored to be part of the Access National and Middleburg Bank team,” Hanel said. “I have worked at large financial institutions and small community banks. After experiencing both cultures, I appreciate the community focus Access brings while delivering industry expertise to a growing market. With my return to my Virginia roots, I am thrilled to join not only the Bank, but also the Purcellville community where I have bought a home. I am privileged to live and work in this great town.” 

Hanel recently moved to Purcellville after 13 years serving as a Regional Manager and Branch Administrator at a community bank in Charleston, South Carolina.

Her banking career spans 34 years, starting at Crestar Bank in her hometown of Lynchburg, where she worked in various positions until becoming her branch’s Assistant Manager. She left Crestar for a Branch Manager position at BB&T and later moved to South Carolina to pursue her goal to be a Regional Manager.

While in Charleston, Hanel worked at a community bank, helping develop retail banking infrastructure, training programs, deposit rates and marketing initiatives.

Additionally, Hanel participated in the Daniel Island Rotary Club in Charleston, and plans to join the Purcellville chapter. She has already become active with the Purcellville Business Association and the Loudoun Chamber of Commerce.

“With Vickie’s experience in various realms of the banking industry, our Loudoun County clients will benefit from utilizing her as a trusted advisor to help them achieve their financial goals,” Cindy Caldwell, SVP, Client Services for Access, said.

Access National Bank Promotes Tom Ciolkosz to Senior Vice President, Relationship Manager & Nonprofit, Trade Association Team Leader

Tom Ciolkosz
RESTON, Va. — Access National Bank (“Access”) has promoted Tom Ciolkosz to Senior Vice President, Relationship Manager, to continue fostering the growth of the Bank’s nonprofit and trade association segment.

“Access differentiates itself in the market by working as a ‘trusted business advisor’ for prospects, clients and business referral partners,” Ciolkosz said. “I invest time acquainting myself with my clients’ unique needs, offer referral sources and ultimately partner with them in helping to grow their business. It’s rewarding to work for a bank who values cultivating meaningful relationships within our communities.”

Ciolkosz joined Access in 2011 as Vice President, Client Services Manager. During his tenure, he expanded his relationship management skills to the nonprofit and trade association segment, eventually becoming the segment team leader. He routinely works in conjunction with other segments such as accounting firms, government contractors, and companies with $200 million+ in revenue. Additionally, he is further honing his banking industry knowledge by serving in his second year at the Virginia Bankers School of Bank Management.

In addition to his robust bank duties, Ciolkosz serves numerous local organizations in either a membership or directorial capacity. Some of his participation includes the Board of Directors for Greater Washington Society of CPAs (GWSCPA), Loudoun Hunger Relief, and Brain Injury Services; Town of Lovettsville Planning Commission Chairperson; and membership with the American Society of Association Executives and the FAR Network.

“Tom’s promotion reflects the significant contributions he has made to the Bank’s strategic focus on better serving our nonprofit and trade association clients,” Michael Clarke, CEO of Access, said. “His industry knowledge has proven to be an invaluable asset to both the Bank and the clients who benefit from his expertise.”

“Tom earned this title with his diligent work over the past seven years,” Cindy Caldwell, SVP, Client Services at Access said. “He works with all business lines to grow deposits, loans, and investments. I am looking forward to watching his contributions and leadership evolve as our Bank continues this next chapter of 2018 and beyond.”

Access National Bank Promotes David A. Talebian to Executive Vice President, Commercial Lending

David TalebianRESTON, Va. —  Access National Bank has promoted David A. Talebian to Executive Vice President in its expanding Commercial Lending team.

“Access National Bank sets itself apart from the competition with a talented group of bankers providing industry-specific knowledge, coupled with tailored services and solutions,” Talebian said. “I look forward to continuing to contribute to our long-term success as the organization grows.”

Talebian has been with the Bank since 2007 upon graduating with a bachelor’s degree in Finance from Virginia Tech. He later completed commercial lending and bank management education programs offered by both the Virginia Bankers Association and the American Bankers Association.

“David has been with the Access National team from the start of his tremendous career journey, making him one of our ‘homegrown’ success stories here,” Mark Moore, President at Access National Bank, said.

Talebian consistently ranks among the Bank’s top producers annually, with a portfolio comprising of commercial and industrial (C&I) financing, commercial real estate loans, and professional services for businesses typically with $5 million to $200 million in revenue.

In his role, Talebian will continue to serve in a leadership capacity with his team of commercial lenders. In addition, he will remain a primary player in corporate and leveraged finance sectors, medical services, government contracting sectors, and asset-based lending.

He will also support a wide range of essential corporate banking verticals for the Bank, and serve as a member of the Bank’s Executive Loan Committee.

“David’s contributions and leadership have been impactful toward the growth and success of our company,” Moore said. “We are looking forward to his ongoing leadership to propel us to greater heights.”

Access National Mortgage and Middleburg Bank Host First-Time Homebuyer Seminar

Access National Mortgage (“Access”) and Middleburg Bank (“Middleburg”), both divisions of Access National Bank, hosted their First-Time Homebuyer Educational Seminar (“the Seminar”) on Wednesday, March 7 at the Middleburg Community Center.

Young, prospective first-time, as well as seasoned, homebuyers in the Loudoun area joined to discover new financing, lending, and credit-rebuilding options to help them meet their homeownership goals.

Sixty-seven percent of attendees expressed interest in Access’s services when the Seminar concluded.

“I have been in this industry for more than 18 years, so I know buying your first home can be daunting,” Bill Stern, Sales Manager at Access National Mortgage, said. “But, the audience was active and engaged throughout the seminar.”

Read the full story in Middleburg Eccentric.

Middleburg Bank hosts Foxcroft School Winter Mission Program for a Fifth Consecutive Year

MIDDLEBURG, Va. – Middleburg Bank (“Middleburg”), a division of Access National Bank (“Access”), hosted students from Foxcroft School (“Foxcroft”) in Middleburg to learn about banking from Feb. 5 to Feb. 9 at the Middleburg Financial Service Center.

It is the fifth year Middleburg Bank has taken part in Foxcroft’s Winter Mission Program, where students are required to participate in an internship-style program during their winter break. Foxcroft is one of the nation’s leading boarding schools for girls, preparing young women in grades 9 to 12 for success in college and in life.

“We are honored to get the opportunity to work with the Foxcroft girls for another year,” Cynthia McGlumphy, VP, Financial Service Center Manager, said. McGlumphy has organized the banking program since its inception in 2013. “Middleburg and Access are committed to serving the community and setting teens up for financial success early.”

The girls began the week with an introduction to Middleburg Bank with a tour of the Financial Service Center and a brief history of the Bank and its positive impact on the community.

Students explored a diverse range of banking principles and operational processes, such as industry-specific segments, mortgage, risk management, lending, and more. Employees from both the Middleburg and Access National Bank sides led discussions on their respective fields of expertise.

Finally, on the last day, Marybeth Muir, SVP, Business Intelligence & Workflow for Access, led a panel discussion about women leaders in banking and finance. Featured panelists included Amelia Stansell, VP, Commercial Lending; Cindy Caldwell, SVP, Client Services; Meg Taylor, EVP, Chief Financial Officer; and Karen Puleo, Chief Human Resources Officer.

“Middleburg and Access have a role in the community as trusted advisers for our clients and the community,” said McGlumphy. “Highlighting the impact women have on this industry validates the girls’ aspirations, even if they choose a field outside of banking.”

Access National Mortgage to Host First-Time Homebuyer Educational Seminar

RESTON, Va. – (Access National Mortgage) – Access National Mortgage, a division of Access National Bank, will host a first-time homebuyer educational seminar (“the Seminar”) on Wednesday, March 7 from 6 p.m. to 8 p.m. at the Middleburg Community Center.

“Having been in this industry for more than 18 years, I know buying your first home can be daunting,” Bill Stern, Sales Manager at Access National Mortgage, said. “Our goal with the Seminar is to open a forum for first-time and even seasoned homebuyers to meet with mortgage specialists who understand the local market and the tools to facilitate successful homeownership.”

The presentation segment will focus on different catalysts to achieve homeownership, including methods to improve and build credit, finding solutions to obtain financing approval regardless of credit history, and loan programs with 100 percent financing to reduce down payment costs.

In addition to the Access National Mortgage team, featured real estate industry leaders include Regina Pinkney, Business Development Officer for Virginia Housing Development Authority; Ryan Clegg, REALTOR® with Atoka Properties; and Danielle Tubbs, Director of Operations and Settlement for Bankers Title Shenandoah.

“We are looking forward to helping ‘lay the foundation’ for potential buyers at any stage of life,” Stern added.

Access National Mortgage is a federally-chartered institution operating as a Correspondent Lender closing loans in all 50 states. It regularly funds more than $1 billion in residential mortgages annually and is an Equal Housing Lender. Click here to register for the seminar.

Access National Bank Sponsors Symposium on Local Small Business Growth & Financing

The inaugural event was the first phase of a larger effort by Access and Middleburg to host financial education events to help foster healthy economic growth in the communities of Middleburg, Aldie, Upperville, The Plains, Marshall, and Delaplane. More events similar to this are planned for the future in other areas within Loudoun, Fauquier, and Fairfax counties.

Read the full story in Middleburg Eccentric.

Access National Bank Extends 16-Year Partnership with Brain Injury Services

Access National Bank ("Access") is committed to making a difference in the community and is proud to continue its 16-year partnership with Brain Injury Services (BIS) with a $25,000 contribution to children and adults in need. Tom Ciolkosz, VP, Nonprofit Segment Team Leader facilitates the relationship between Access and BIS. Ciolkosz's financial expertise assists in strategically guiding the organization by serving as a member of the BIS Board of Directors.

"The magnitude of the contributions Access National Bank has made over the years to Brain Injury Services is humbling," Denise Hyater, BIS Executive Director, said. "Brain Injury Services is profoundly grateful to Access National Bank for their continuing philanthropic and leadership support. They are a longstanding partner in our effort to help local survivors of acquired brain injuries benefit from individually-managed, person-centered care and resources designed to address their post-acute needs. We thank Access National Bank and look forward to our ongoing partnership."

Access National Bank staff handing donation check to Brain Injury Services staff

Pictured from L-R: Michael Clarke (Access National Bank), Denise Hyater (Brain Injury Services), Tom Ciolkosz (Access National Bank), Kendel Paulsen (Brain Injury Services).

About Brain Injury Services:

Brain Injury Services (BIS) has taken a leadership role in developing community-based services for brain injury. BIS takes pride in serving over 500 survivors and their families each year helping them build the skills and confidence they need to lead a productive, fulfilling life. Visit their website at

Access National Bank Named 2017 NVAR Affiliate of the Year

Access National Bank is this year's recipient of the Northern Virginia Association of REALTORS® (NVAR) Affiliate of the Year award. Read the official press release to catch up on this year's NVAR Installation and Appreciation Ceremony. Thank you to our friends at NVAR for your continued support!

ANB Staff receiving award from NVAR

Pictured L-R: Marshall Chapman, Mortgage Loan Officer, Access National Mortgage; Tom Ciolkosz, VP, Nonprofit Segment Team Leader, Access National Bank; Michael Clarke, CEO, Access National Bank; Bob Adamson, Chairman, NVAR Board. Photo courtesy of NVAR.

Roy L. Giese Joins Access National Bank as Senior Vice President, Commercial Lending to Launch Automotive Dealership Banking Division

Roy L. Giese - Automotive Dealership Banking Expert December 19, 2017 —  Access National Bank (“Access” or the “Company”) is pleased to announce that Roy L. Giese has joined Access National Bank as a Senior Vice President in the Commercial Lending division. Mr. Giese will be concentrating on Automotive Dealership Banking.

Mr. Giese is a tenured automotive dealership banking expert with more than 30 years of experience managing dealer relationships in Virginia and Metro DC. He previously oversaw the Automotive Dealership Banking Teams for First Virginia Bank and BB&T. He is active in the Washington Area New Auto Dealers Association (WANADA) and the Virginia Automobile Dealers Association (VADA).

“Access National Bank’s entrepreneurial spirit melds well with the Automobile Dealership industry,” Giese said. “I look forward to continuing to serve local auto dealerships with targeted financial services.”

Mr. Giese lives in Springfield, Virginia. He is a graduate of Gettysburg College and the Banking School of the South at Louisiana State University.

“With Roy’s wealth of experience in the automotive industry, our new Automotive Dealership Banking division has a promising future ahead for the Company and our clients,” said Michael W. Clarke, CEO of Access National Bank. “We are fortunate to have someone of Roy’s caliber join our dynamic organization.”

Access National Bank and Middleburg Bank, a Division of Access National Bank, Welcome John Dane, Senior Vice President and Team Leader at Richmond Branch

December 12, 2017 — Access National Bank (“the Bank” or “Access”) and Middleburg Bank (“Middleburg”), a division of Access National Bank, welcome John G. Dane, SVP and Team Leader in the Bank’s Richmond market.

John Dane - Richmond Branch Leader“I am excited to be part of Access National,” Dane said. “There is no other community bank headquartered in Virginia that can deliver the same level of industry expertise and client-focused service.”

He is a native of the Tri-Cities area and later went to study at the College of William & Mary in Williamsburg, Virginia. He holds an MBA from the Sawyer School of Management at Suffolk University in Boston.

Dane began his banking career with BB&T in its Management Development Program and subsequently placed as a Small Business Banker at their branch in Chester, Virginia.

As his career progressed, Dane worked at other community banks in the Richmond area as a Commercial Lender and Special Assets Officer before electing to work in Correspondent Banking at Community Bankers’ Bank in Midlothian, Virginia.

Outside of banking, Dane was appointed by then Gov. Bob McDonnell to the Virginia College Building Authority, which provides financing for capital projects and educational equipment for state higher education institutions and a “conduit financing mechanism” for private, nonprofit higher education institutions. He now serves as vice chair.

“Access National and Middleburg pride themselves on being community-focused banks,” said David Leudemann, EVP, Commercial Banking for Middleburg. “John’s from Richmond and understands the needs of this diverse community. That, coupled with his invaluable industry expertise, will benefit current and prospective Richmond-based clients as Access and Middleburg move forward post-merger.”

In addition to his industry repertoire, Dane currently serves on the Commonwealth Catholic Charities Board and the Partnership for Families Board. He is also a member of the River City Rotary, previously serving as the organization's Charter President.

Dane resides in Midlothian with his wife, Maria, and sons Gavin, 7, and Sullivan, 18 months.

“As a native of Richmond, I know the Access National model will be well-received by many Richmond businesses,” Dane said, “both big and small.”

Access National Bank continues to enhance its focus on Government Contractor Lending

December 5, 2017 — Access National Bank ("the Bank") is expanding its Government Contracting ("GovCon") division to provide amplified services for this critical industry.

The most strategic and vital component to the Bank’s involvement in the GovCon community is a tenured staff with a combined 150+ years of industry experience which they leverage to provide on-target, customized solutions to each client.

Under the new leadership of Adam Nalls, SVP, Commercial Lending and Government Contracting Team Leader, the GovCon segment of the Bank provides a creative approach to asset-based lending, merger & acquisition (M&A) financing, and leveraged financing.

Mr. Nalls is an eight-year veteran of Access National, and is involved with the Small and Emerging Contractors Advisory Forum (SECAF).

“The Washington, D.C. Metro area thrives on government contracting, and this sector is at the very core of our customer base,” Nalls said. “As a local bank, Access National understands the industry in both a business and geographical sense.”

Most recently, the Bank welcomed Michael Marsden, VP, Government Contract Lending. He adds more than 25 years of banking and commercial financing experience, and has financed more than 400 companies – most with a concentration in GovCon.

Marsden is a committee member of the National Defense Industrial Association (NDIA) and is an active member of the National Contract Management Association (NCMA). He also volunteers on weekends at Vinson Hall, a retirement community in McLean, Virginia for retired officers from the United States Military.

“Having been part of this industry for so long, I’ve witnessed a sundry of banking processes,” said Marsden. “Access National Bank’s innovative banking platforms provide government contractors the logistics they seek on an individual level.”

President Mark Moore joined the Bank in 2016, having previously worked in the GovCon and technology sectors for more than 30 years. Along with more than two decades of commercial banking focus in these sectors, Moore served as a partner at two distinguished investment banking firms, specializing in M&A advisory services, private equity investments, and capital formation support. He is also involved with SECAF with Mr. Nalls.

Additionally, the Bank offers the benefit of being a Preferred SBA lender to assist in growing government contracting organizations of all sizes. With the recent merger with Middleburg Bank, Access National Bank has increased its legal lending limit to $35 million, and is now able to offer the benefits of Middleburg Bank’s trust banking and wealth services platforms.

Middleburg Bank, a Division of Access National Bank, is hosting a Small Business Keys to Financial Success Financial Education Symposium on January 17, 2018

November 30, 2017 — Middleburg Bank, a Division of Access National Bank, will be hosting a Small Business Keys to Financial Success Financial Education Symposium (“the Symposium”) on Wednesday, January 17, from 6 p.m. to 8 p.m. at the Middleburg Community Center (inclement weather date of January 24, 2018). The purpose of the Symposium is to offer local business owners financial resources to help them grow and sustain their business. Light fare and beverages will be provided.

This inaugural event is part of a larger effort by Access National Bank, and its Middleburg Bank division, in partnership with the Town of Middleburg and other local leaders to lend success tips to the small business-driven communities of Middleburg, Aldie, Upperville, The Plains, Marshall and Delaplane.

Economic experts and financial industry leaders featured at the Symposium include: Jamie Gaucher, Business & Economic Developer for the Town of Middleburg; Beth Wilson, Vice President of Business Finance Group; Michael Clarke, CEO of Middleburg Bank; and Ted Lauer, SVP of Commercial Lending of Access National Bank.

“As a community-focused bank, we believe in these sorts of ‘grassroots efforts’ to support the small business backbone of our economy,” commented Michael Clarke, CEO of Middleburg Bank. “Our role as a trusted financial advisor is to provide relevant resources on a more personal level with the objective of fostering a community of thriving small businesses.”

The Town of Middleburg Business and Economic Development Director, Jamie Gaucher, said of the partnership with Middleburg and Access National Bank that “the Symposium is part of the Town’s focus on encouraging entrepreneurship, by providing a forum to discuss strategic financial tactics from which small businesses can benefit.”

The Middleburg Community Center is located at 300 West Washington Street/P.O. Box 265, 

Middleburg, VA 20118. To register online, Click Here

Access National Bank Grabs Greater Market Share in Greater Washington

October 11, 2017 — Access National Bank grabbed greater market share in the Greater Washington region, jumping from No. 20 to No. 16. Read the full Washington Business Journal article.

Access National Bank is Now Open in Arlington

June 26, 2017 — Access National Bank is pleased to announce the opening of its new Arlington Financial Service Center, located at 2300 Wilson Blvd., Suite 100 Arlington, VA 22201 — in the heart of the Courthouse neighborhood. The office is managed by veteran Arlington banker, Athena Ullrich, Vice President, who can be reached at 703-871-5721 or by email.

Branch Now Open in Arlington, VAThe opening of this new Financial Service Center will allow Access National to better support Arlington’s vibrant business and nonprofit community. The Bank offers extensive experience in several key industries including CPA Firms, Legal Services, Medical Practices, National Trade Associations, Nonprofits and Government Contractors.

“We have been trusted advisors to our clients in Arlington for many years,” said Michael W. Clarke, CEO. “We are thrilled to bring our business banking expertise and style of proactive relationship banking to the commercial epicenter of Arlington with truly exceptional bankers led by Athena, further solidifying us as the community bank of choice for local businesses.” Clarke concluded, “Along with our new partners at Middleburg Financial Corporation with whom we merged in April, this new Arlington location is a clear signal that we are still hiring and continuing to expand in metro DC as the bank built for business.”

Access National Bank’s Merger with Middleburg Bank is Complete

April 3, 2017 — Access National Bank has completed its previously announced merger with Middleburg Bank, creating a $2.8 billion-asset bank ranked fifth in deposit market share among Virginia-based banks under $10 billion in assets. Read the full press release. This strategic merger, that legally closed on April 1, 2017, allows us to better serve our clients with an increased lending limit, a broader range of products and services, and a more expansive geographic footprint. Here are answers to some frequently asked questions:

Middleburg Bank, a Division of Access National Bank, logo




Will the name of the bank change?

  • No. Access National Corporation is the holding company and Access National Bank is the lead brand. You will continue to see Access National Bank signs where you see them today. Corporate headquarters will remain in Reston.
  • While Access is the surviving entity in the merger, we are also preserving the strong Middleburg Bank brand along with those for Middleburg Investment Services and Middleburg Trust Company, each of which will operate as a division of Access National Bank. We will leverage the strengths of these brands along with those of Access National Bank including Access National Mortgage, Access Capital Management, Access Investment Services and Capital Fiduciary Advisors. As a result of this strategic merger, we will be able to offer our clients greater benefits in banking, mortgage and wealth services.

Should I expect any changes? What does the combination with Middleburg Financial mean for my local branch?

  • Right now, it’s business as usual. You can continue banking as you always have with us, using your local branch, our online platform and other digital services. And, of course, your relationship manager is here to serve you. We expect to complete full integration of our computer systems in early August, at which time you’ll gain the convenience of additional locations, where you may transact business.
  • We will preserve Access National Banking Centers in the communities where we are currently located and, following systems integration in August, will have additional locations to serve you. Middleburg Bank branches will operate as a division of Access National Bank and the computer systems at those locations will convert to Access in early August.
  • What’s not changing is our commitment to delivering personal service and tailored financial solutions.

What will happen to my accounts? Should I use the same checks, online login credentials and other banking services?

  • There will be no changes to your banking products and services at this time.
  • Keep using your checks and online banking services as you do today.
  • Middleburg Bank’s systems will convert to Access National’s in early August. We do not expect any impact on Access National clients and, of course, will work to ensure a smooth transition for Middleburg Bank clients.
  • If there are any changes in the future, you will be notified well in advance. Be assured, whenever possible we will construct any changes so that you will not be required to take action.

If I have deposit accounts at Middleburg Bank as well as Access National, are those deposits insured separately by the FDIC?

  • The deposits at Access National Bank and Middleburg Bank continue to be insured separately for at least six months after the merger. Special rules for certificates of deposit may extend that period.
  • This six-month grace period provides depositors the opportunity to restructure accounts, if desired. Learn more about FDIC coverage.

Who can I contact if I have any more questions?

If you have any questions or wish to discuss the merger, please do not hesitate to contact us as you normally would. All of our associates are committed to serving your needs just as we always have.

Access National Bank Extends Its 15-Year Partnership with Brain Injury Services

February 9, 2017 —  Access National Bank is committed to making a positive difference in the community and is proud to announce its continued support of and long-time partnership with Brain Injury Services (BIS) in the form of a $25,000 contribution. For more than 15 years, the Bank has forged a great working relationship with BIS that extends far beyond providing financial support. Year-after-year, Bank staff faithfully volunteer their time and talents at the annual BIS golf tournament fundraiser. Additionally, the Bank’s Nonprofit Segment Team leader, Tom Ciolkosz, has actively served as the Secretary and Treasurer of the BIS Board.

Access National Bank Extends 15-Year Partnership with Brain Injury Services“As a community bank with longstanding ties to Brain Injury Services, we embrace our responsibility to help the efforts of an organization that plays such a vital role in providing assistance to empower people living with head trauma related disabilities,” said Michael W. Clarke, Access National Bank, CEO. “We also feel privileged to be able to share our nonprofit industry expertise that has helped contribute to the organization’s growth and impact,” continued Mr. Clarke.

“Brain Injury Services truly values the financial guidance and support Access National Bank has provided to us since the inception of the organization. These funds will enable us to not only reach more survivors of brain injury but also allow us to be more creative in how best to serve their post-acute needs, like providing therapeutic interventions or more personalized social services,” stated Karen Brown, BIS, Executive Director. “We really wouldn’t be able to make the substantive impact on the community without Access National’s help.”

(L-R) Michael W. Clarke, Access National Bank, CEO; Karen Brown, BIS, Executive Director; Tom Ciolkosz, Access National Bank, Nonprofit Segment Team Leader; Rick Ferraro, BIS, President; Steven A. Reeder, Access National Bank, EVP, Chief Deposit Officer

About Brain Injury Services:

Brain Injury Services (BIS) has taken a leadership role in developing community based services for a brain injury. BIS takes pride in serving over 500 survivors and their families each year helping them build the skills and confidence they need to lead a productive and fulfilling life.

Veteran Banking Executive, David J. Leudemann, Joins Middleburg Bank as Executive Vice President, Market Executive Overseeing Commercial Banking

January 25, 2017 — Access National Corporation (NASDAQ: ANCX) (“Access” or the “Company”) and Middleburg Financial Corporation (NASDAQ: MBRG) (“Middleburg”), holding company for Access National Bank and Middleburg Bank, respectively, are pleased to announce the addition of David J. Leudemann to the Middleburg Bank Executive Team, serving as the Executive Vice President - Market Executive who will oversee commercial banking for Middleburg Bank.  Mr. Leudemann will remain in a leadership role once the two organizations complete the pending merger, slated for second quarter 2017.

Access National Bank and Middleburg Bank are Staffing Up Heading into MergerMr. Leudemann has a long and illustrious banking career spanning over thirty years, most recently serving as the Dulles Corridor Market President for BB&T. Management of both Access National Bank and Middleburg Bank believe that Mr. Leudemann’s experience and leadership will create a stronger commercial-focused conduit between the two successful organizations upon their combination. In his new role at Middleburg Bank, Mr. Leudemann will help the organization maximize the opportunities presented by the pending merger with focus on bringing industry specific, locally delivered expertise to Loudoun’s business community including government contract lending, asset based lending, medical practice financing, SBA 504 and M&A financing.  As both a Loudoun County market expert and resident, Mr. Leudemann views this rare local leadership role as an opportunity to positively impact the economy by investing in his own community. He currently serves on the Board of Directors for the Dulles Regional Chamber of Commerce and for Northern Virginia Family Service and is a member of the Committee for Dulles. He formerly served on the boards of several large nonprofits.

 “The addition of Mr. Leudemann to the Middleburg team, coupled with investments in sophisticated online banking technologies to more effectively serve the government contracting sector and other commercial industries signifies an organizational recalibration hinged on delivering diversified capabilities,” stated John C. Lee, Chairman of the Board of Middleburg Financial Corporation and who will serve as Chairman of the combined organization upon completion of the merger. Mr. Lee is a highly respected executive in the data center industry who founded Lee Technologies, Inc., now Schneider Electric, which supports Fortune 1000 companies and government agencies, and he currently serves on the Board of the Northern Virginia Technology Council.  

“We feel very fortunate to have a banker of David’s caliber join our dynamic organization following completion of the pending merger and contribute his commercial expertise,” stated Michael W. Clarke, CEO of Access National Corporation. “The hiring of David is an important next step to realizing our merger objectives announced in October 2016 where we remain committed to preserving the 92-year old Middleburg brand heritage and its loyal client base, while being able to offer expanded commercial banking capabilities along with true concierge private banking and wealth services to the broader Loudoun market,” continued Mr. Clarke. Read the full press release.

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Ranked in 2018 Top 200 Healthiest Banks by
Rated Superior - Top Rating Possible by IDC Financial Publishing, Inc.
Ranked #1 in the VA and Metro DC Area for Best 3-Year Return on Average Equity by American Banker
Ranked in Top 50 Top Performing Banks $2-$10B in Assets By American Banker
Ranked #3 Most Profitable Greater Washington Bank by the FDIC
Sm-all Stars Award for Top Performing Community Bank by Sandler O’Neill Partners
Community Bankers Cup Award For Excellence by Raymond James Research
Top SBA Lending Bank by the Business Finance Group
2017 Northern Virginia Association of Realtors Affiliate of the Year
2017 Loudoun Times-Mirror Best of Loudoun