READ THE COMPANY'S 2009 LETTER TO STOCKHOLDERS
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Community Bankers Trust Corporation (stock symbol: BTC on the NYSE AMEX)

Community Bankers Trust Corporation is a well-capitalized, single-bank holding company headquartered in the greater Richmond, Virginia market. The Company is the holding company for Essex Bank, a Virginia state bank with 25 full-service offices, 14 of which are in Virginia, seven of which are in Maryland and four of which are in Georgia. In Virginia, two offices each operate under the names of "Bank of Goochland" and "Bank of Powhatan" and one office each operates under the names of "Bank of Louisa" and "Bank of Rockbridge." The Bank was formerly known as Bank of Essex.

The Company was initially formed as a special purpose acquisition company under the name "Community Bankers Acquisition Corp." As a "Targeted Acquisition Corporation"^SM or "TAC,"^SM the Company was formed to effect a merger, capital stock exchange, asset acquisition or other similar business combination with an operating business in the banking industry. Prior to its acquisition of two bank holding companies in 2008, the Company's activities were limited to organizational matters, completing its initial public offering and seeking and evaluating possible business combination opportunities. On May 31, 2008, the Company acquired each of TransCommunity Financial Corporation, the holding company for TransCommunity Bank, N.A., and BOE Financial Services of Virginia, Inc. the holding company for the Bank. The Company changed its corporate name in connection with the acquisitions. In July 2008, TransCommunity Bank merged with and into the Bank.

The Bank was established in 1926 and is headquartered in Tappahannock, Virginia. The Bank engages in a general commercial banking business and provides a wide range of financial services primarily to individuals and small businesses, including individual and commercial demand and time deposit accounts, commercial and consumer loans, travelers checks, safe deposit box facilities, investment services and fixed rate residential mortgages.