Bank of the James Financial Group, Inc. operates as the holding company for Bank of the James, which provides retail and commercial banking services in the central Virginia. The company offers various deposit services, including checking accounts, savings accounts, individual retirement accounts, and various time deposits. It originates commercial business lending loans for purchase of equipment, facilities' upgrades, inventory acquisition, and working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; consumer residential mortgage loans; and various secured and unsecured consumer loans. The company's market area consists of seven jurisdictions of the Town of Altavista, Amherst County, Appomattox County, the City of Bedford, Bedford County, Campbell County, and the City of Lynchburg. The company, through its other subsidiary, BOTJ Investment Group, Inc., offers brokerage and investment services, including fixed and variable annuity products.