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FIRST NATIONAL BANK P O BOX 600
CHRISTIANSBURG, 24068

2006 Mortgage Research	Bath	Virginia	US
Total Applications	7	1,683	2,381
Average Loan	$131.3k	$131.8k	$137.8k
Loan to Income Ratio	2.00	1.44	1.55
Subprime Loans	—	2.85%	2.10%
Refinancing Loans	42.86%	39.51%	42.42%
Principal Dwellings	100%	83.07%	84.12%
Rejected Applications	—	7.07%	5.08%

FIRST NATIONAL BANK P O BOX 600CHRISTIANSBURG, 24068