Farmers Bankshares (FBVA) is a seven branch community bank serving southeastern Virginia roughly between Franklin and Norfolk. Our interest in the company was originally kindled last year before the advent of the coronavirus based on a number of factors. Farmers had an attractive business in an attractive (and growing) geographic region with a stated intent of slowly expanding into more densely populated areas around Norfolk. The company's operations provided reasonable room for improvement with a somewhat above average efficiency ratio. The valuation - at the time around book value and roughly ten times