b'BOARD OF DIRECTORSKenneth W. AppleCPA / Martinsburg, WVMargaret S. Bartles Real Estate / Martinsburg, WVThomas A. Close CPA / Hagerstown, MD, Martinsburg, WV, Berkeley Springs, WVDeborah J. DhayerPresident & CEO, Eddies Tire Service /Hagerstown, MD, Martinsburg, WV, Berkeley Springs, WVJay E. Dick Vice Chairman of the Board /Retired - Manager, Hunters Hardware, Inc. / Berkeley Springs, WVMark D. HarrellPresident & CEO, CNB Bank, Inc., CNB Financial Services, Inc.40 SHAREHOLDERS EQUITY (IN MILLIONS)40.535 38.335.630 33.131.42517 18 19 20 21'