EXHIBIT 10.13

                                    FORM OF
                       EXECUTIVE SURVIVOR INCOME AGREEMENT

         THIS EXECUTIVE SURVIVOR INCOME AGREEMENT is made this _____ day of
April, 2003; by and between The Fauquier Bank, a Virginia banking corporation
with its main office in Warrenton, VA (the Bank), and _________________ (the
Executive).

         WHEREAS, to encourage the Executive to remain an employee of the Bank,
the Bank is willing to provide benefits to the Executive's beneficiary(ies) (i)
if the Executive dies prior to terminating employment, or (ii) if the Executive
dies after Termination of Employment provided the Executive terminated
employment due to Disability, Change in Control, or attaining Early Retirement
Age or Normal Retirement Age. The Bank will pay the benefits from its general
assets, but only so long as one of its general assets is a life insurance policy
on the Executive's life.

                                    AGREEMENT


         The Executive and the Bank agree as follows:


                                    ARTICLE 1
                                   DEFINITIONS

         Whenever used in this Agreement, the following words and phrases shall
have the meanings specified:

         1.1      Change in Control means the occurrence of any one of the
                  following events:

                       (a) an event of a nature that results in an acquisition
                       of control of The Fauquier Bank (the Company) within the
                       meaning of the Change in Bank Control Act and applicable
                       regulations thereunder (or any successor statute or
                       regulation),

                       (b) an event with respect to the Company that would be
                       required to be reported in response to Item 1 of the
                       Current Report on Form 8-K, as in effect on the date of
                       this Agreement, pursuant to Section 13 or 15(d) of the
                       Securities Exchange Act of 1934 (the Exchange Act),

                       (c) any person (as the term is used in Sections 13(d) and
                       14(d) of the Exchange Act) is or becomes the beneficial
                       owner (as defined in Rule 13d-3 under the Exchange Act)
                       directly or indirectly of securities of the Company or
                       the Bank representing 25% or more of the combined voting
                       power of the Company or the Bank's outstanding
                       securities,

                       (d) individuals who are members of the Board of Directors
                       of the Company as of the date of this Agreement (the
                       Incumbent Board) cease for any reason to constitute as
                       least a majority thereof, provided that any person
                       becoming a director subsequent to the date of this
                       Agreement whose election was approved by a vote of at
                       least three-quarters of the directors comprising the
                       Incumbent Board, or whose nomination for election by the
                       Company's stockholders was approved by the nominating
                       committee serving under the Incumbent Board, shall be
                       considered a member of the Incumbent Board,

                       (e) consummation of a reorganization, merger,
                       consolidation or similar transaction in which the Company
                       is not the resulting entity,

                       (f) consummation of a reorganization, merger,
                       consolidation or similar transaction in which the Company
                       is the resulting entity and at the completion of which
                       the stockholders of the Company who were stockholders of
                       the Company immediately prior to the



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                       transaction hold less than 60% of the outstanding stock
                       of the Company immediately after consummation of the
                       transaction, or

                       (g) a sale of all or substantially all of the assets of
                       the Company or a transaction or related transactions at
                       the conclusion of which all or substantially all of the
                       assets of the Bank (i) are not directly or indirectly
                       held by the Company or (ii) are directly or indirectly
                       held by the Company but the stockholders of the Company
                       immediately prior to the transaction or related
                       transactions hold less than 60% of the outstanding stock
                       of the Company immediately after the transaction or
                       related transactions; provided that the term Change in
                       Control shall not include an acquisition of securities by
                       an employee benefit plan of the Company or any of its
                       subsidiaries. In the application of regulations under the
                       Change in Bank Control Act to a determination of a Change
                       in Control under this Agreement, determinations to be
                       made by the applicable federal banking regulator under
                       such regulations shall be made by the Board of Directors.

         1.2      Disability means the Executive suffers a sickness, accident,
                  or injury which has been determined by the carrier of any
                  individual or group disability insurance policy covering the
                  Executive, or by the Social Security Administration, to be a
                  disability rendering the Executive totally and permanently
                  disabled. The Executive must submit proof to the Bank of the
                  carrier's or the Social Security Administration's
                  determination upon the request of the Bank.

         1.3      Early Retirement Age means the Executive's 55th birthday,
                  provided the Executive has at least 10 Years of Service with
                  the Bank on that date. If the Executive does not have 10 years
                  of service with the Bank by the date of his 55th birthday, the
                  Executive's Early Retirement Age means the date on which the
                  Executive has 10 years of service with the Bank, provided such
                  10 Years of Service occurs before the Executive's Normal
                  Retirement Age.

         1.4      Good Reason means the occurrence of any of the events or
                  conditions described in clauses (a) through (e) hereof without
                  the Executive's express written consent B

         (a)      a material reduction in Executive's title or responsibilities;

         (b)      a reduction in base salary as in effect on the date of a
                  Change in Control;

         (c)      relocation of the Bank's principal executive offices, or
                  requiring the Executive to change his principal work location,
                  to any location that is more than 15 miles from the location
                  of the Bank's principal executive offices on the date of this
                  Agreement;

         (d)      the failure by the Bank to continue to provide the Executive
                  with compensation and benefits substantially similar to those
                  provided to him under any of the employee benefit plans in
                  which the Executive becomes a participant, or the taking of
                  any action by the Bank which would directly or indirectly
                  materially reduce any of such benefits or deprive the
                  Executive of any material fringe benefit enjoyed by him at the
                  time of the Change in Control; or

         (e)      the failure of the Bank to obtain a satisfactory agreement
                  from any successor or assignee of the Bank to assume and agree
                  to perform this Agreement.

         1.5      "Normal Retirement Age" means the Executive's 65th birthday.

         1.6      "Normal Retirement Date" means the later of the Normal
                  Retirement Age or Termination of Employment.

         1.7      Termination for Cause means the definition of termination for
                  cause specified in any employment agreement existing on the
                  date hereof or hereafter entered into between the Executive
                  and the


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                  Bank. If the Executive is not a party to an employment
                  agreement containing a definition of termination for cause,
                  Termination for Cause means the Bank has terminated the
                  Executive's employment for any of the following reasons:

         (a)      Gross negligence or gross neglect of duties;

         (b)      Commission of a felony or of a gross misdemeanor involving
                  moral turpitude; or

         (c)      Fraud, disloyalty, or willful violation of any law or
                  significant Bank policy committed in connection with the
                  Executive's employment and resulting in an adverse effect on
                  the Bank.

         1.8      Termination of Employment with the Bank means that the
                  Executive shall have ceased to be employed by the Bank for any
                  reason whatsoever, excepting a leave of absence approved by
                  the Bank. For purposes of this Agreement, if there is a
                  dispute over the employment status of the Executive or the
                  date of termination of the Executive's employment, the Bank
                  shall have the sole and absolute right to decide the dispute,
                  unless a Change in Control shall have occurred.

         1.9      Years of Service means the total number of twelve-month
                  periods during which the Executive serves as an employee of
                  the Bank.

                                    ARTICLE 2
                             ENTITLEMENT TO BENEFIT

         2.1      Pre-Termination of Employment Survivor Income Benefit. If the
                  Executive dies in active service to the Bank, the Bank shall
                  pay to the Executive's designated beneficiary in a single lump
                  sum the survivor income benefit described in Section 2.6.1.

         2.2      Disability Benefit. If the Executive terminates employment due
                  to Disability, the Bank shall pay to the Executive's
                  designated beneficiary in a single lump sum the survivor
                  income benefit described in Section 2.6.2 following the
                  Executive's death.

         2.3      Change in Control Benefit. If the Executive's employment with
                  the Bank terminates involuntarily within 24 months after a
                  Change in Control (excepting Termination for Cause) or in the
                  event the Executive terminates employment voluntarily for Good
                  Reason within 24 months after such Change in Control, the Bank
                  shall pay the Executive's designated beneficiary the survivor
                  income benefit described in Section 2.6.2 following the
                  Executive's death.

         2.4      Early Retirement Benefit. If the Executive terminates
                  employment on or after Early Retirement Age, the Bank shall
                  pay to the Executive's designated beneficiary in a single lump
                  sum the survivor income benefit described in Section 2.6.2.
                  following the Executive's death.

         2.5      Normal Retirement Benefit. If the Executive terminates
                  employment on or after Normal Retirement Age, the Bank shall
                  pay to the Executive's designated beneficiary in a single lump
                  sum the survivor income benefit described in Section 2.6.2
                  following the Executive's death.

         2.6      Amount of Benefits. The Bank shall pay one of the following
                  benefits to the Executive's beneficiary in a single lump sum
                  within 90 days following submission of a proof of a claim
                  substantiating the Executive's death.

         2.6.1    Pre-Retirement Death Benefit. If the Executive was employed by
                  the Bank at the time of death, the death benefit shall be
                  $50,000.

         2.6.2    Post-Retirement Death Benefit. If the Executive was no longer
                  employed by the Bank at the time of death but had terminated
                  employment


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                  o   due to Disability,

                  o   involuntarily within two years after Change in Control
                      (excepting Termination for Cause), or in the event the
                      Executive had terminated employment voluntarily for Good
                      Reason within two years of such Change in Control,

                  o   on or after Early Retirement Age, or

                  o   on or after Normal Retirement Age,

                  the death benefit shall be $50,000.


                                    ARTICLE 3
                                  BENEFICIARIES

         3.1      Beneficiary Designations. The Executive shall designate a
                  beneficiary by filing a written designation with the Bank. The
                  Executive's beneficiary designation shall be deemed
                  automatically revoked if the beneficiary predeceases the
                  Executive or if the Executive names a spouse as beneficiary
                  and the marriage is subsequently dissolved. If the Executive
                  dies without a valid beneficiary designation, all payments
                  shall be made to the Executive's estate.

         3.2      Facility of Payment. If a benefit is payable to a minor, to a
                  person declared incompetent, or to a person incapable of
                  handling the disposition of his or her property, the Bank may
                  pay such benefit to the guardian, legal representative, or
                  person having the care or custody of such minor, incompetent
                  person or incapable person. The Bank may require proof of
                  incompetence, minority, or guardianship as it may deem
                  appropriate prior to distribution of the benefit. Such
                  distribution shall completely discharge the Bank from all
                  liability with respect to such benefit.

                                    ARTICLE 4
                               GENERAL LIMITATIONS

         4.1      Termination for Cause. Notwithstanding any provision of this
                  Agreement to the contrary, the Bank shall not pay any benefit
                  under this Agreement if Termination of Employment is due to
                  the Executive's actions resulting in Termination for Cause.

         4.2      Suicide or Misstatement. The Bank shall not pay any benefit
                  under this Agreement if the Executive commits suicide within
                  three years after the date of this Agreement. In addition, the
                  Bank shall not pay any benefit under this Agreement if the
                  Executive has made any material misstatement of fact on any
                  application or resume provided to the Bank, or on any
                  application for any benefits provided by the Bank to the
                  Executive.

         4.3      Removal. If the Executive is removed from office or
                  permanently prohibited from participating in the conduct of
                  the Bank's affairs by an order issued under Section 8(e)(4) or
                  (g)(1) of the Federal Deposit Insurance Act, 12 U.S.C.
                  1818(e)(4) or (g)(l), all obligations of the Bank under this
                  Agreement shall terminate as of the effective date of the
                  order.

         4.4      Default. If the Bank is in default (as defined in Section
                  3(x)(l) of the Federal Deposit Insurance Act), all obligations
                  under this Agreement shall terminate as of the date of
                  default, but vested rights of the contracting parties shall
                  not be affected.

         4.5      FDIC Open-Bank Assistance. All obligations under this
                  Agreement will be terminated, except to the extent determined
                  that continuation of the Agreement is necessary for the
                  continued operation of the Bank, by the Director of the Office
                  of Thrift Supervision or his or her designee, at the time the
                  Federal Deposit Insurance Corporation enters into an agreement
                  to provide assistance to or on behalf of the Bank under the
                  authority contained in Section 13(c) of the Federal Deposit
                  Insurance


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                  Act 12 U.S.C 1823(c). Any rights of the parties that have
                  already vested, however, shall not be adversely affected by
                  such action.

         4.6      Termination of Participation. The Executive's rights under
                  this Agreement shall cease if the Executive's employment with
                  the Bank is terminated prior to the Early Retirement Age,
                  except as provided in section 2.2 (termination because of
                  Disability) or section 2.3 (termination within 24 months after
                  a Change in Control).

                                    ARTICLE 5
                          CLAIMS AND REVIEW PROCEDURES

         5.1      Claims Procedure. A participant or beneficiary (claimant) who
                  has not received benefits under the Agreement that her or she
                  believes should be paid shall make a claim for such benefits
                  as follows:

         5.1.1    Initiation: Written Claim. The claimant initiates a claim by
                  submitting to the Bank a written claim for the benefits.

         5.1.2    Timing of Bank Response. The Bank shall respond to such
                  claimant within 90 days after receiving the claim. If the Bank
                  determines that special circumstances require additional time
                  for processing the claim, the Bank can extend the response
                  period by an additional 90 days by notifying the claimant in
                  writing, prior to the end of the initial 90-day period, that
                  an additional period is required. The notice of extension
                  must set forth the special circumstances and the date by
                  which the Bank expects to render its decision.

         5.1.3    Notice of Decision. If the Bank denies part or all of the
                  claim, the Bank shall notify the claimant in writing of such
                  denial. The Bank shall write the notification in a manner
                  calculated to be understood by the claimant. The notification
                  shall set forth:

                  (a) The specific reasons for the denial;

                  (b) A reference to the specified provisions of the Agreement
                  on which the denial is based;

                  (c) A description of any additional information or material
                  necessary for the claimant to perfect the claim and an
                  explanation of why it is needed;

                  (d) An explanation of the Agreement's review procedures and
                  the time limits applicable to such procedures; and

                  (e) A statement of the claimant's right to bring a civil
                  action under ERISA (Employee Retirement Income Security Act)
                  Section 502(a) following an adverse benefit determination on
                  review.

         5.2      Review Procedure. If the Bank denies part or all of the claim,
                  the claimant shall have the opportunity for a full and fair
                  review by the Bank of the denial, as follows:

         5.2.1    Initiation: Written Request. To initiate the review, the
                  claimant, within 60 days after receiving the Bank's notice of
                  denial, must file with the Bank a written request for review.

         5.2.2    Additional Submissions: Information Access. The claimant shall
                  then have the opportunity to submit written comments,
                  documents, records and other information relating to the
                  claim. The Bank shall also provide the claimant, upon request
                  and free of charge, reasonable access to, and copies of, all
                  documents, records, and other information relevant (as defined
                  in applicable ERISA regulations) to the claimant's claim for
                  benefits.

         5.2.3    Considerations on Review. In considering the review, the Bank
                  shall take into account all materials and information the
                  claimant submits relating to the claim, without regard to
                  whether


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                  such information was submitted or considered in the initial
                  benefit determination.

         5.2.4    Timing of Bank Response. The Bank shall respond in writing to
                  such claimant within 60 days after receiving the request for
                  review. If the Bank determines that special circumstances
                  require additional time for processing the claim, the Bank can
                  extend the response period by an additional 60 days by
                  notifying the claimant in writing, prior to the end of the
                  initial 60-day period, that an additional period is required.
                  The notice of extension must set forth the special
                  circumstances and the date by which the Bank expects to render
                  its decision.

         5.2.5    Notice of Decision. The Bank shall notify the claimant in
                  writing of its decision on review. The Bank shall write the
                  notification in a manner calculated to be understood by the
                  claimant. The notification shall be set forth:

                  (a) The specific reasons for the denial;

                  (b) A reference to the specific provisions of the Agreement on
                  which the denial is based;

                  (c) A statement that the claimant is entitled to receive, upon
                  request and free of charge, reasonable access to, and copies
                  of, all documents, records, and other information relevant (as
                  defined in applicable ERISA regulations) to the claimant's
                  claim for benefits; and

                  (d) A statement of the claimant's right to bring a civil
                  action under ERISA Section 502(a).

                                    ARTICLE 6
                                  MISCELLANEOUS

         6.1      Amendments and Termination. The Bank may amend or terminate
                  this Agreement at any time if, pursuant to legislative,
                  judicial, or regulatory action, continuation of the Agreement
                  would (i) cause benefits to be taxable to the Executive prior
                  to actual receipt, or (ii) result in significant financial
                  penalties or other significantly detrimental ramifications to
                  the Bank (other than the financial impact of paying the
                  benefits).

         6.2      Binding Effect. This Agreement shall bind the Executive and
                  the Bank and their beneficiaries, survivors, executors,
                  administrators and transferees.

         6.3      No Guarantee of Employment. This Agreement is not a contract
                  for employment. It does not give the Executive the right to
                  remain an employee of the Bank, nor does it interfere with the
                  Bank's right to discharge the Executive. It also does not
                  require the Executive to remain an employee nor interfere with
                  the Executive's right to terminate employment at any time.

         6.4      Non-Transferability. Benefits under this Agreement cannot be
                  sold, transferred, assigned, pledged, attached or encumbered
                  in any manner.

         6.5      Successors; Binding Agreement. By an assumption agreement in
                  form and substance satisfactory to the Executive, the Bank
                  will require any successor (whether direct or indirect, by
                  purchase, merger, consolidation, or otherwise) to all or
                  substantially all of the business or assets of the Bank to
                  expressly assume and agree to perform this Agreement in the
                  same manner and to the same extent that the Bank would be
                  required to perform this Agreement if no such succession had
                  occurred. The Bank's failure to obtain such an assumption
                  agreement before the succession becomes effective shall be
                  considered a breach of this Agreement and shall entitle the
                  Executive to the Change-in-Control benefit specified in
                  Section 2.3.

         6.6      Tax Withholding. The Bank shall withhold any taxes that are
                  required to be withheld from the benefits provided under this
                  Agreement.

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         6.7      Applicable Law. Except to the extent preempted by the laws of
                  the United States of America, the validity, interpretation,
                  construction, and performance of this Agreement shall be
                  governed by and construed in accordance with the laws of the
                  State of Virginia, without giving effect to the principles of
                  conflict of laws of such state.

         6.8      Unfunded Arrangement. The Executive's beneficiary(ies) are
                  general unsecured creditors of the Bank for the payment of
                  benefits under this Agreement. The benefits represent the mere
                  promise by the Bank to pay such benefits. The rights to
                  benefits are not subject in any manner to anticipation,
                  alienation, sale, transfer, assignment, pledge, encumbrance,
                  attachment, or garnishment by creditors. Any insurance on the
                  Executive's life is a general asset of the Bank of which the
                  Executive and the Executive's beneficiary(ies) have no
                  preferred or secured claim.

         6.9      Entire Agreement. This Agreement constitutes the entire
                  agreement between the Bank and the Executive as to the subject
                  matter hereof. No rights are granted to the Executive's
                  beneficiary by virtue of this Agreement other than those
                  specifically set forth herein.

         6.10     Administration. The Bank shall have all powers which are
                  necessary to administer this Agreement, including but not
                  limited to:

                  (a) Interpreting the provisions of the Agreement;

                  (b) Establishing and revising the method of accounting for the
                  Agreement;

                  (c) Maintaining a record of benefit payments; and

                  (d) Establishing rules and prescribing any forms necessary or
                  desirable to administer the Agreement.

         6.11     Named Fiduciary. For purposes of the Employee Retirement
                  Income Security Act of 1974, if applicable, the Bank shall be
                  the named fiduciary and plan administrator under this
                  Agreement. The named fiduciary may delegate to others certain
                  aspects of the management and operation responsibilities of
                  the plan including the employment of advisors and the
                  delegation of ministerial duties to qualified individuals.

         6.12     Severability. If for any reason any provision of this
                  Agreement is held invalid, such invalidity shall not affect
                  any other provision of this Agreement not held so invalid, and
                  each such other provision shall, to the full extent consistent
                  with the law, continue in full force and effect. If any
                  provision of this Agreement shall be held invalid in part,
                  such invalidity shall in no way affect the remainder of such
                  provision not held so invalid and the remainder of such
                  provision, together with all other provisions of this
                  Agreement shall, to the full extent consistent with the law,
                  continue in full force an effect.

         6.13     Headings. The headings of Sections herein are included solely
                  for convenience of reference and shall not affect the meaning
                  or interpretation of any provision of this Agreement.

         6.14     Notices. All notices, requests, demands and other
                  communications hereunder shall be in writing and shall be
                  deemed to have been duly given if delivered by hand or mailed,
                  certified or registered mail, return receipt requested, with
                  postage prepaid, to the following addresses or to such other
                  address as either party may designate by like notice.

                  (a)    If to the Bank, to:
                         Board of Directors
                         The Fauquier Bank
                         10 Courthouse Square
                         Warrenton, VA 20186



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                  (b) If to the Executive, to:

                      -----------------------------------------

                      -----------------------------------------

                      -----------------------------------------

                  and to such other or additional person or persons as either
                  party shall have designated to the other party in writing by
                  like notice.

      IN WITNESS WHEREOF, the Executive and a duly authorized Bank officer have
signed this Agreement.

EXECUTIVE:                                     BANK:

                                               THE FAUQUIER BANK

By                                               By:
   -------------------------------                   ---------------------------

[Name of Executive]


   -------------------------------               -------------------------------
[Title]

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                             BENEFICIARY DESIGNATION

                                THE FAUQUIER BANK
                       EXECUTIVE SURVIVOR INCOME AGREEMENT

I designate the following as beneficiary of benefits under this Agreement
payable following my death:

Primary:
________________________________________________________________________________

Address:________________________________________________________________________

________________________________________________________________________________

Contingent:_____________________________________________________________________

________________________________________________________________________________

Address:________________________________________________________________________

________________________________________________________________________________

NOTE: TO NAME A TRUST AS BENEFICIARY, PLEASE PROVIDE THE NAME OF THE TRUSTEE(S)
      AND THE EXACT NAME AND DATE OF THE TRUST AGREEMENT.

   I understand that I may change these beneficiary designations by filing a new
written designation with the Bank. I further understand that the designations
will be automatically revoked if the beneficiary predeceases me, or if I have
named my spouse as beneficiary and our marriage is subsequently dissolved.

Signature
          ----------------------------

Date
     ---------------------------------

Received by the Bank this ___ day of __________, 2003.

By
   -----------------------------------

Title
      --------------------------------



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