pinnacle bankshares corporation operates as a bank holding company for first national bank that provides a range of commercial and retail banking products and services. the company accepts checking accounts, savings and time deposits, individual retirement accounts, certificates of deposit, and money market accounts. its loan products include residential and commercial mortgages, home equity loans, consumer installment loans, agricultural loans, investment loans, small business loans, commercial lines of credit, and letters of credit. the company also provides credit cards; insurance, including property and casualty, life, and health; investment and annuity products; and overdraft, merchant bankcard processing, cash management, night drop, safe deposit boxes, notary, and telephone and online banking services. it operates in campbell county, bedford county, the town of altavista, the town of amherst, the village of rustburg and the city of lynchburg, and the city of charlottesville, vir