FBSSPresentation 2009 - Final

_____________________FAUQUIER BANKSHARES, INC.Q ,

Deeply rooted in our community.

A il 2009April 2009

Safe Harbor Statement

In addition to the historical information contained herein, this report contains forward-looking statements. Forward-In addition to the historical information contained herein, this report contains forward looking statements. Forwardlooking statements are based on certain assumptions and describe future plans, strategies, and expectations of theCompany, and are generally identifiable by use of the words “believe,” “expect,” “intend,” “anticipate,” “estimate,”“project,” “may,” “will,” or similar expressions. Although we believe our plans, intentions, and expectations reflectedin these forward-looking statements are reasonable, we can give no assurance that these plans, intentions, orexpectations will be achieved. Our ability to predict results or the actual effect of future plans or strategies isinherently uncertain, and actual results could differ materially from those contemplated. Factors that could have amaterial adverse effect on our operations and future prospects include, but are not limited to, changes in: interestrates, general economic conditions, the legislative/regulatory climate, monetary and fiscal policies of the U.S.G t i l di li i f th U S T d th B d f G f th F d l R S t thGovernment, including policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System, thequality or composition of the Bank’s loan or investment portfolios, demand for loan products, deposit flows,competition, demand for financial services in our market area, and accounting principles, policies, and guidelines.These risks and uncertainties should be considered in evaluating forward-looking statements in this report, and youshould not place undue reliance on such statements which reflect our position as of the date of this report Forshould not place undue reliance on such statements, which reflect our position as of the date of this report. Foradditional discussion of risk factors that may cause our actual future results to differ materially from the resultsindicated within forward-looking statements, please refer to "Risk Factors" in Item 1A of our Annual Report on Form10-K for the year ended December 31, 2008.

2FAUQUIER BANKSHARES, INC.

Table of Contents

Who We Are

Market AreaMarket Area

Financial Condition

Financial Performance and Goals

Building Shareholder Value


Who We Are


Fauquier Bankshares, Inc.

Founded 1902

Headquartered Warrenton, Virginia (50 miles west of Washington, D.C.)Headquartered Warrenton, Virginia (50 miles west of Washington, D.C.)

(8 branch locations – expanding in 2009)

Total Assets $514.5 Million

Shares Outstanding 3,564,317

Insider Ownership 6.42% 1

I tit ti l O hi 12 29% 2 3Institutional Ownership 12.29% 2 (9.19% held by Royce & Associates, LLC3)

Shareholders Approx. 500 + “street” (Over 75% in VA)

NASDAQ FBSSNASDAQ FBSS

All data provided as of December 31, 2008, unless otherwise noted.(1) Source: NASDAQ as of March 27, 2009.(2) Source: NASDAQ as of March 27, 2009.(3) A subsidiary of Legg Mason. Percentage ownership as of last Form 13F filed with SEC on January 23, 2009.


Industry Recognition

Named #104 of “Top 200 Publicly-Traded Community Banks” in the June 2008 issue of U.S. Banker magazine, based on previous 3-year average ROE of 1,115 public institutions pooled.

In October 2008, President & CEO Randy Ferrell was selected to serve as a panelist in the SEC roundtable concerning mark-to-marketserve as a panelist in the SEC roundtable concerning mark to market accounting. The panel discussions focused on the usefulness of mark-to-market accounting to investors and regulators, potential market behavior effects and whether aspects of current accounting standards may be improved. Mr. Ferrell discussed the impact an expansion of mark-to-market accounting valuation could have for community banks.


Our Success Is a Result of Our Culture

Strategic Planningg g

Teamwork

Disciplined Execution (aka “Blocking and Tackling”)

Standards of ExcellenceStandards of Excellence

Consistently Strong Credit Culture


Our Management Focus

Quality Growth

Loan Portfolio

Core Transaction DepositsCore Transaction Deposits

Non-Interest Fee Income

Wealth Management and Financial Planning

O ti l M tOperational Management

Increased Market Share


Our Customer Focus

To deliver a superior customer experienceTo deliver a superior customer experienceby enabling our retail and commercialcustomers to make the right choices whenselecting financial products and servicesthat best fit their needs and lifestyles,th b i t t hithereby empowering customers to achievetheir financial goals.


Market Area


Northern Virginia Marketplace

Places to Which Fauquier CountyResidents Commute (2000)

Fauquier County 11,822 41.89%Fairfax County 5,499 19.48%Prince William County 3,132 11.10%

Residents Commute (2000)

Loudoun County 1,595 5.65%Manassas City 1,163 4.12%District of Columbia 1,139 4.04%

Other Places of Work 3,874 13.73%

Source: Weldon Cooper Center for Public Service

,Total Out-Commuters 16,402 58.11%Total County Workforce 28,224 100.00%


Primary Market Area


Northern Virginia Marketplace

Virginia voted “No. 1 Most Business-Friendly State” by ForbesMagazine in 2006 2007 and 2008 Also voted “Top State forMagazine in 2006, 2007, and 2008. Also voted “Top State for Business” by CNBC in 2007.

St l ti i d l t thStrong population, economic, and employment growth

Stable federal government presence

Exceptional higher education

Diverse industry employment, mostly “clean” industries

Hi h h h ld iHigh household income

FAUQUIER BANKSHARES, INC. 13

Unemployment Rates

7.0%

United States

Virginia

Prince William County

5.0%

6.0%6.0%

5.5%5.1%

4 6% 4 6%

5.8%

y

Fauquier County

4.0%

5.0% 4.6% 4.6%4.1%

3.7% 3.5%

3.0% 3.0%

4.2%

3.3%2 7%

3.5%

3.5%

2.0%

3.0% 2.7%2.5% 2.4% 2.5%3.0%

2.6% 2.4% 2.4% 2.5%

0.0%

1.0%

2003 2004 2005 2006 2007 2008

14

2003 2004 2005 2006 2007 2008Source: Bureau of Labor Statistics, Local Area Unemployment Statistics - Average Annual Rate

FAUQUIER BANKSHARES, INC.

Strong Markets with Sustainable Growth

Northern Virginia—primarily Fauquier County, western Prince William County and surrounding countiesWilliam County, and surrounding counties.

2008 Population

Percent Growth

2008 Per Capita Income

County (Thousands) (2000 to 2008) (USA=100)

Fauquier 69.7 25.5% 128

Prince William 387.9 36.8% 122

Loudoun 289.1 72.8% 187


Source: Source: SNL – Data provided by ESRI based primarily on US Census data.

Fauquier County, Western Prince William County, and Manassas City Deposit Market Sharey p

Fi i l I tit tiNo. ofOffi

Deposits($000)

MarketShFinancial Institution Offices ($000) Share

BB&T 16 $ 957,119 30.96%Fauquier Bank 8 388,713 12.57%Suntrust Bank 7 384,751 12.44%,Wells Fargo (Wachovia) 5 328,259 10.62%Chevy Chase Bank 10 144,713 4.68%Bank of America 4 142,276 4.60%PNC Bank 5 132 065 4 27%PNC Bank 5 132,065 4.27%Cardinal Bank 1 128,920 4.17%Virginia Commerce Bank 2 86,548 2.80%Other 17 Institutions 24 398,324 12.89%

Total 82 $3,091,689 100%

Source: FDIC - Deposit Market Share Report


p pData as of June 30, 2008.

Financial Condition


Asset and Loan Growthas of December 31 2008as of December 31, 2008

$800 $800

$429$481

$522 $490 $515 $600

$800

$381 $416 $409 $435

$600

5-Year CAGR: 6.33% 5-Year CAGR: 8.08%

$429

$200

$400 $338 $381 $416 $409

$200

$400

$-2004 2005 2006 2007 2008

Total Assets ($Millions)

$02004 2005 2006 2007 2008

Total Loans ($Millions)Total Assets ($Millions) Total Loans ($Millions)


Financial data provided on an annual basis unless otherwise noted.

Loan PortfolioLoan PortfolioAverage Daily Balances for Twelve Months Ended December 31, 2008Average Daily Balances for Twelve Months Ended December 31, 2008

Residential $172MM

41%($43MM Home Equity &

Second Mortgages)

Commercial Real Estate

$153MMSecond Mortgages) 37%

($91MM Owner -occupied)

Consumer $20MM

Commercial & Industrial

Construction$40MM $20MM

5%Industrial $35MM

8%

$40MM9%

Fauquier Bankshares does not originate sub prime or Alt A loans

19

Fauquier Bankshares does not originate sub-prime or Alt-A loans.


Credit Quality

0.62%0 50%0.6%

0.8%

Loan Losses, Net of Recoveries, as a Percentage of Total Loans

Non-performing Assets and Loans (and Repossessed Assets), as a Percentage of Total Loans

2.38%2.5%3.0%

0.02%0.08%

0.03%

0.24%0.16% 0.13% 0.11%

0.25%

0.50%

0 0%

0.2%

0.4%

0.02% 0.00%0.39% 0.46%

0.96%0.61% 0.56% 0.54%

1.39%

0 0%0.5%1.0%1.5%2.0%

0.0%2004 2005 2006 2007 2008

FBSS Federal Reserve Peer Group

Allowance for Loan Loss Coverage of Non-Performing Assets

0.02% 0.00%0.0%2004 2005 2006 2007 2008


g gAs a Percentage of Total Loans

1.19% 1.10% 1.06% 1.01% 1.09%1.24% 1.20% 1.17% 1.30% 1.36%

1 0%

2.0%

1.01%

0.0%

1.0%

2004 2005 2006 2007 2008FBSS F d l R P G



20

Capital Management(For Year Ended December 31)(For Year Ended December 31)

11.0%Tangible Equity to Assets Ratio

Leverage Ratio

Minimum Required: 4.00

8 3%8.7%

9.5% 9.5% 9.4%

8 5%9.0%9.5%

10.0%10.5%

7.43% 7.39% 7.38%

8.54%8.06%

6.5%

7.5%

8.5%

qWell Capitalized: 5.00

8.3%8.0%8.5%

2004 2005 2006 2007 20082004 2005 2006 2007 2008

11 80% 11 90%13.0%

14.0%Tier 1 Risk-based Ratio

Minimum Required: 4.00Well Capitalized: 6.00

12.90% 12.98%13 0%

14.0%

15.0% Minimum Required: 8.00Well Capitalized: 10.00

Total Risk-based Ratio

10.87% 10.83%

11.80% 11.90%11.38%

10.0%

11.0%

12.0%

2004 2005 2006 2007 2008

12.10% 11.97%

12.90%12.52%

11.0%

12.0%

13.0%

2004 2005 2006 2007 20082004 2005 2006 2007 2008


Deposit PortfolioAverage Daily Balances for Twelve Months Ended December 31 2008Average Daily Balances for Twelve Months Ended December 31, 2008

Demand Deposit Accounts$68MM

17%

NOW Accounts$84MM

Money Market Accounts$ 21%$90MM

23%

Savings Accounts$31MM

8%Certificates of

Deposit$124MM

31%


Deposit Growth(Average YTD)

$242 9$255.2

$245.1$250 0

$300.0

$164 8

$185.6 $189.7 $198.8

$242.9 $245.1

$200.0

$250.0

$164.8 $153.5 $149.1 $152.3

$100.0

$150.0

$50.0

$ 00 0

$-2004 2005 2006 2007 2008

Transaction Non-Transaction

23Transaction account defined as Demand Deposit Accounts and NOW Accounts. Data provided as of December 31.


Demand Deposits(As a Percent of Average Assets)

12 00%

14.00%

12.48%11.88%

(As a Percent of Average Assets)

10.00%

12.00%11.02% 11.02%

10.05%10.05%9.66%

8 40%

The Fauquier Bank

Peer Group Banks (Insured Commercial Banks

8.00%

8.40%

7.20%6.46%

(Insured Commercial Banks Having Assets Between $300MM - $1B)

4.00%

6.00%

2.00%2004 2005 2006 2007 2008

Data used in the chart follows Federal Financial Institutions Examination Council reporting (Call Report) guidelines.Source: Uniform Bank Performance Report


Negotiable Order of Withdrawal (NOW)(As a Percent of Average Assets)

14.00%12.57%

Th F i B k

( g )

10.00%

12.00%

10.17% 10.26%

The Fauquier Bank

Peer Group Banks (Insured Commercial Banks

8.00%6.59% 6.95%

6.33%5 82%

(Insured Commercial Banks Having Assets Between $300MM - $1B)

4.00%

6.00%5.82%

4.88%4.23%

3.98%

2.00%2004 2005 2006 2007 2008



Demand & NOW Deposits(As a Percent of Average Assets)

25.00%

21.19% 21.28%22.62%

The Fauquier Bank

15 00%

20.00%19.07%

18.83%

16.38%15.48%

13 28%

Peer Group Banks (Insured Commercial Banks Having Assets Between

10.00%

15.00% 13.28%

11.43%10.44%

g$300MM - $1B)

5.00%

0.00%2004 2005 2006 2007 2008

26



Financial Performance and Goals


Net Income(As a Percent of Average Assets)

1.40%

Fauquier Bankshares

(As a Percent of Average Assets)

1.00%

1.20%

1.21% 1.22%1.14%

1.01%1.04%1.09%

1.01%

0.85%

Peer Group Bank Holding Companies

0.60%

0.80% 0.73%

0.85%

0.20%

0.40%0.38%

0.00%2004 2005 2006 2007 2008

Peer Group - Bank Holding Companies with Consolidated Assets of $500MM - $1B (2008/2006)

28

Peer Group Bank Holding Companies with Consolidated Assets of $500MM $1B (2008/2006) Peer Group - Bank Holding Companies with Consolidated Assets less than $500MM (2007/2005/2004)Source: BHC Performance Report - 12/31/2008


Quarterly Margin Analysis

10.00

11.00

7.00

8.00

9.00

10.00

6.72 6.81 6 72 6 78

4.00

5.00

6.00

6.72 6.81 6.72 6.786.43 6.13

6.08 6.07

3.98NIM

4.19NIM 4.12

NIM

4.22NIM

4.21NIM

4.28NIM 4.19

NIM 4.15

1.00

2.00

3.00

3.38 3.32 3.32 3.27 2.76 2.29 2.36 2.36

NIM

0.002007 Q1

2007 Q2

2007 Q3

2007 Q4

2008 Q1

2008 Q2

2008 Q3

2008 Q4


Yield on Interest Earning Assets (%) Cost of Interest-bearing Liab (%) NIM - Net Interest Margin (%)Source: SNL Financial

Margin Analysis – Peer ComparisonMargin Analysis Peer Comparison4.68 4.67

4.28 4 14 4 194 11 4 194.50

5.00Fauquier Bankshares

Peer Group4.14 4.194.11 4.194.02 4.03

3.65

3 00

3.50

4.00

Peer Group

2.00

2.50

3.00

Year Percentile2008 832007 602006 692005 77

0.50

1.00

1.502005 772004 88

0.00

0.50

2004 2005 2006 2007 2008

Peer Group Bank Holding Companies with Consolidated Assets of $500MM $1B (2008/2006)

30

Peer Group - Bank Holding Companies with Consolidated Assets of $500MM - $1B (2008/2006) Peer Group - Bank Holding Companies with Consolidated Assets less than $500MM (2007/2005/2004)Sources: Bank Holding Companies Performance Report and FBSS Financials- 12/31/2008


Cost of Funds – Peer ComparisonCost of Funds Peer Comparison

3.914.00

4.50Fauquier Bankshares

Peer Group

2.99

3.30

2 52

3.50

3.033.00

3.50

Peer Group

1.47

1.94

2.42

1.92

2.52

1 50

2.00

2.50Year Percentile2008 102007 112006 142005 13

0.50

1.00

1.50 2005 132004 17

0.002004 2005 2006 2007 2008

Peer Group Bank Holding Companies with Consolidated Assets of $500MM $1B (2008/2006)

31

Peer Group - Bank Holding Companies with Consolidated Assets of $500MM - $1B (2008/2006) Peer Group - Bank Holding Companies with Consolidated Assets less than $500MM (2007/2005/2004)Sources: Bank Holding Companies Performance Report and FBSS Financials- 12/31/2008


Return on Average Equity (ROE)

18.00% 16.82% 16.93%Fauquier Bankshares

Return on Average Equity (ROE)

14.00%

16.00% 14.98%

11.39%11.38% 12.13%11.29%

q


8.00%

10.00%

12.00%

8.17%

9%

8.36%Year Percentile2008 632007 672006 77

4.00%

6.00%3.76%

2005 862004 902003 782002 75

2.00%2004 2005 2006 2007 2008


32

Peer Group - Bank Holding Companies with Consolidated Assets less than $500MM (2007/2005/2004)Source: BHC Performance Report - 12/31/2008


Financial PerformanceQuarterly Basis

Return on Average Assets Return on Average Equity

Quarterly Basis

1.04%

0.83%1.00%

1.25%g

12.30%12 0%

16.0%

g q y

0.76% 0.73%0.60%

0.50%

0.75% 9.48% 8.80% 8.50%7.45%8.0%

12.0%

0.00%

0.25%

4Q07 1Q08 2Q08 3Q08 4Q08

0.0%

4.0%

4Q07 1Q08 2Q08 3Q08 4Q084Q07 1Q08 2Q08 3Q08 4Q08


Yield Curve

3.03.0

(Spread Between 5 Year and 3 Month Treasury)

QuarterlyAnnual

1 511.59

1.882.0

2.181.94 2.03

1 40

2.0

0.66

1.51

1.00.83

1.40

1.0

0.05 0.16

-0.19

-0.43 -0.47-0.11

0.080.31

0.0-0.10 -0.05

0.0

-1.02006 Q1 Q2 Q3 Q4

2007 Q1 Q2 Q3 Q4

2008 Q1 Q2 Q3 Q4

-1.02002 2003 2004 2005 2006 2007 2008


Total Non-Interest Income(As a Percent of Adjusted Operating Income)(As a Percent of Adjusted Operating Income)

26.00%23 63% 23.78%

Fauquier Bankshares

20.00%

22.00%

24.00%21.53% 21.18%

22.41%23.63% 23.78%

18.91%19.44%

18 24%19.34%


16.00%

18.00%17.34%

18.24%

Year Percentile2008 712007 722006 65

10.00%

12.00%

14.00% 2005 732004 67

8.00%2004 2005 2006 2007 2008



p g p ( )Peer Group - Bank Holding Companies with Consolidated Assets less than $500MM (2007/2005/2004)Source: BHC Performance Report - 12/31/2008

Wealth Management

($Millions)

Assets Under ManagementAt Market Value

Wealth Management Income($Thousands)

$400

($Millions)

$$1,600

$235 $253

$299 $305

$250

$1,270 $1,332 $1,344 $1,412 $1,287

$1,200

,

$200

$400

$800

$0

2004 2005 2006 2007 2008 $0

$400

2004 2005 2006 2007 2008


00 005 006 00 008

36

Earnings Per Share, Diluted

$1.41$1.60 $1.57

$1.39$1.50

$2.00

$1.14 $1.24$1.03

$1.00

$-

$0.50

2002 2003 2004 2005 2006 2007 20082002 2003 2004 2005 2006 2007 2008

Earnings Per Share, diluted


Financial data provided on an annual basis, unless otherwise noted.

37

Building Shareholder Value


Keys to Building Shareholder Value

Consistently achieving our EPS growth and ROE goals:Consistently achieving our EPS growth and ROE goals:- EPS Growth: 10% or greater annually - ROE: 75th to 80th percentile of Federal Reserve peer group,

usually 15.0%

Maintain Strong Credit Quality

Consistent Dividend Growth

B ild t ti t d it bBuild transaction account deposit base


Cash Dividends

To pay a consistently growing cash dividend.

*Year2008 2007

Dividend$0.800$0.790

Payout78.1%56.5%

Yield*6.27%4.63%

200620052004

$0.745$0.645$0 560

46.2%39.0%37 6%

2.98%2.58%2 25%2004

20032002

$0.560$0.480$0.410

37.6%36.6%34.5%

2.25%2.09%2.70%

Total $4.430

* Yield calculated as annual dividend divided by December 31st stock price.


Buybacks and Dividends as a Percentage of Net Incomeas a Percentage of Net Income

100% Buybacks, %

70%

80%

90%

61.38%

4.24%Dividends, %

50%

60%

56.46%

78.10%48.81%34.55%

25.49%26.74%

14.00%0 18%

0.77%

14.59%

20%

30%

40%

34.07%38.08%

36.10%34 77% 36 62%

37.61%38.95%

46.22%0.00%8.16%

0.18%

0%

10%

20%

1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008

29.68%34.77%

34.50%

36.62%


1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008

Stock Chart – Price/Tangible Book Value

250

300

200

250

Valu

e (%

)

150

Tang

ible

Boo

k

FBSS

50

100

Pric

e/T FBSS

SNL Bank $250M - $500M

0Mar-99 Mar-00 Mar-01 Mar-02 Mar-03 Mar-04 Mar-05 Mar-06 Mar-07 Mar-08 Mar-09

42

Source: SNL Financial


Stock Performance: Total Return

140

160

100

120

e

60

80

Inde

x Va

lue

Fauquier Bankshares

20

40

q

NASDAQ Composite

SNL Bank $500M - $1B

SNL Bank $250M-$500M

012/31/03 12/31/04 12/31/05 12/31/06 12/31/07 12/31/08

43

Returns assume an initial investment of $100 at the market close of December 31, 2003 and reinvestment of dividends.


Virginia Peer Group Comparison(All SNL Publicly Traded Virginia Banks & Bank Holding Companies with Total Assets Between $160 Million and $1,750 Million)

Institution (Peer Group):Trading Symbol

TotalAssets($000)

ROAA(%)

ROAE(%)

NetInterestMargin

(%)

Non-Int.Inc./Oper.Revenue

(%)

NPAs/Assets

(%)

ReservesLoan(%)

Market Value($M)

Price/Book(%)

CurrentDividend

Yield(%)*

Cardinal Financial Corporation CFNL 1,743,757 0.02 0.18 2.78 28.00 0.27 1.12 139.0 86.9 0.70p , ,Commonwealth Bankshares, Inc. CWBS 1,085,294 -0.39 -3.30 3.69 12.59 4.50 3.04 35.1 33.0 6.25Eastern Virginia Bankshares, Inc. EVBS 1,051,363 0.31 3.55 3.57 16.64 1.34 1.29 54.7 69.9 6.92Middleburg Financial Corporation MBRG 985,191 0.28 3.37 4.00 34.92 1.47 1.41 51.9 68.6 6.64National Bankshares, Inc. NKSH 935,374 1.51 12.52 4.10 21.60 0.35 1.02 128.2 116.4 4.43C&F Financial Corporation CFFI 855,657 0.51 6.39 5.86 38.27 2.51 2.87 41.8 64.4 9.02Old Point Financial Corporation OPOF 834 965 0 82 8 26 3 62 31 32 1 36 1 00 83 2 100 3 4 01Old Point Financial Corporation OPOF 834,965 0.82 8.26 3.62 31.32 1.36 1.00 83.2 100.3 4.01American National Bankshares Inc. AMNB 789,184 1.02 7.79 3.87 23.67 0.91 1.37 96.8 94.8 5.78Access National Corporation ANCX 702,324 0.76 8.34 3.47 59.41 1.04 1.31 47.0 81.1 0.87Valley Financial Corporation VYFC 674,479 0.27 3.88 2.91 12.36 1.48 1.37 22.0 51.4 2.94Monarch Financial Holdings, Inc. MNRK 597,159 0.20 2.66 2.88 59.56 1.35 1.44 31.5 70.0 0.00Alliance Bankshares Corporation ABVA 572,849 -1.63 -21.29 2.46 9.60 2.66 1.56 10.2 27.5 0.00Vill B k d T t Fi i l C VBFC 572 408 0 11 1 57 3 25 23 95 2 00 1 28 18 8 40 8 0 00Village Bank and Trust Financial Corp. VBFC 572,408 0.11 1.57 3.25 23.95 2.00 1.28 18.8 40.8 0.00Central Virginia Bankshares, Inc. CVBK 486,268 -1.95 -32.45 3.16 19.12 2.38 1.29 10.4 51.2 5.25Southern National Bancorp of Virginia, Inc. SONA 431,924 0.29 1.75 3.26 9.85 1.04 1.40 44.2 64.2 0.00First Capital Bancorp, Inc. FCVA 431,706 0.04 0.48 2.90 6.31 1.53 1.36 17.2 48.5 0.00Bank of Virginia BOVA 203,712 -0.67 -7.48 2.91 5.96 0.27 1.89 10.3 63.2 0.00First Bankshares, Inc. SUFB 184,158 0.14 1.52 2.84 11.91 0.48 1.44 6.7 39.9 0.00Bank of McKenney BOMK 165,462 0.76 6.92 4.14 20.98 NA 1.03 10.6 61.0 4.91

Average: 700,170 0.13 0.25 3.46 23.47 1.50 1.50 45.24 64.90 4.81Median: 674,479 0.27 2.66 3.26 20.98 1.36 1.37 35.10 64.20 5.08

Fauquier Bankshares, Inc. FBSS 514,515 0.73 8.65 4.19 24.45 0.83 1.09 39.5 94.5 7.27

44

*Average and median include only those institutions with dividends paid.Data provided as of December 31, 2008. Market pricing data as of 3/31/09. Source: SNL


Contact Information

Executive Contacts

Randy K. FerrellPresident & Chief Executive Officer

MAIN OFFICE CATLETT

[email protected]

Eric P. GraapTHE PLAINS NEW BALTIMORE

Executive Vice President& Chief Financial Officer

[email protected]

www.fauquierbank.com

VIEW TREE SUDLEY ROAD


BEALTON OLD TOWN MANASSAS

FBSSPresentation 2009 - Final

Documents