Document:

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                                                                    Exhibit 10.2

                              EMPLOYMENT AGREEMENT

        THIS EMPLOYMENT AGREEMENT (this "Agreement"), dated this 5th day of
October, 1999, between Access National Bank (in organization), a national
banking association (the "Employer") and Robert C. Shoemaker (the "Executive").

                                   WITNESSETH

        WHEREAS, the Executive has served as an organizer of the Employer,
including serving as a banking consultant for the organizing group and having
assisted in the overall organization effort; and

        WHEREAS, the Employer considers the continued availability of the
Executive's services to be important to the management and conduct of the
Employer's business and desires to secure for themselves the continued
availability of the Executive's services; and

        WHEREAS, the Executive is willing to make his services available to the
Employer on the same terms and subject to the same conditions set forth herein.

        NOW THEREFORE, in consideration of the premises and the mutual
agreements contained herein, the parties hereby agree as follows:

        1. EMPLOYMENT. The Executive shall be employed as Executive Vice
President of the Employer. The Executive shall have such duties and
responsibilities as are commensurate with such positions and shall also render
such other services and duties as may be reasonably assigned to him from time to
time by the Board of Directors of the Employer, consistent with his positions.
The Executive hereby accepts and agrees to such employment.

        2. TERM OF EMPLOYMENT. The term of employment shall begin on the date
set forth above (the "Commencement Date") and continue for five years; provided,
however, that the term shall be extended automatically for an additional period
of two years at the end of the initial and all subsequent two year terms, unless
either the Executive or the Employer gives written notice to the other at least
120 days prior to the end of any such term of such party's election not to
extend the term of this Agreement. The last day on the last term or extended
term of this Agreement is referred to herein as the "Expiration Date." ALL
BENEFITS AND OBLIGATIONS OF THE RESPECTIVE PARTIES UNDER THIS AGREEMENT SHALL
CEASE AS OF THE EXPIRATION DATE UNLESS SPECIFICALLY PROVIDED FOR IN THIS
AGREEMENT OR RELATED CONTRACT OR PLAN.

        3. COMPENSATION AND BENEFITS.

        (a) Base Salary. For all services rendered by the Executive under this
Agreement, the Employer shall pay the Executive an annual base salary of $75,000
per year from the Commence Date until the date the Bank opens for business, at
which time the Employer shall pay to the Executive an annual base salary of
$85,000 per year (the "Base Salary"). At the conclusion of

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the second consecutive fiscal quarter of profitable operation of the Bank, the
Base Salary shall be increased to $95,000 per annum and will increase at the end
of each subsequent fiscal year end thereafter at the discretion of the Board of
Directors, provided such increases are at a rate of no less than 7.5% of the
then existing Base Salary. THE MINIMUM ANNUAL INCREASES AS DESCRIBED HEREIN
SHALL REQUIRE MINIMUM FINANCIAL PERFORMANCE OF THE EMPLOYER SUCH THAT NET INCOME
ACHIEVED IS NO LESS THAN 50% OF THE BUDGETED AMOUNT OR RETURN ON EQUITY IS NO
LESS THAN 6%. The Executive's salary shall be payable in accordance with payroll
practices of Employer to the officers of the company.

        (b) Annual Cash Bonus. As additional compensation, the Executive shall
be eligible to receive an annual cash bonus from the Employer in an amount up to
35% of Base Salary as based upon a performance evaluation by the Board of
Directors contemplating the following equally weighted factors (with a rating of
0 -- 5 assigned to each, 0 meaning failure to perform and 5 meaning excellent
performance):

                        (i)     Regulatory Exams/ Audit Results;
                        (ii)    Asset Quality;
                        (iii)   Return on Equity;
                        (iv)    General Budget Performance.

In addition to any annual cash bonus which Executive may receive, Executive
shall also receive a $10,000 bonus on the day the Bank opens for business.

        (c) Stock Options. As additional compensation, the Executive shall have
the right to receive stock options of the Employer in an amount equal to no less
than 2.75% of the shares of the Employer issued in the public offering of the
Employer's securities, which options shall vest and be exercisable in accordance
with the terms of the Stock Option Plan adopted by the Employer's Board of
Directors and shareholders. The options will be awarded as follows: 1.5% on the
day the Bank opens for business and 1/4% at the close of each of the first five
full Fiscal Years of business. THE MINIMUM ANNUAL STOCK OPTION GRANT AS
DESCRIBED HEREIN SHALL REQUIRE MINIMUM FINANCIAL PERFORMANCE OF THE EMPLOYER
SUCH THAT NET INCOME ACHIEVED IS NO LESS THAN 50% OF THE BUDGETED AMOUNT OR
RETURN ON EQUITY IS NO LESS THAN 6%.

        (d) Benefits and Vacation. During the term of the Agreement, Executive
shall be entitled to participate in and receive the benefits of certain pension
and other retirement benefit plans, profit sharing, stock option, or other
plans, benefits, and privileges given to executives of Employer, to the extent
commensurate with his then duties and responsibilities as determined by the
Board of Directors. The Executive shall also be entitled to four (4) weeks of
vacation per year. THE EMPLOYER SHALL PAY 100% OF THE EXECUTIVE'S HEALTH
INSURANCE PREMIUMS FOR FAMILY COVERAGE AND DISABILITY INSURANCE AS PRESCRIBED
UNDER THE EMPLOYER SPONSORED HEALTH PLAN.

        (e) Business Expenses. The Employer shall reimburse Executive or
otherwise provide for or pay for all reasonable expenses incurred by Executive
in furtherance of, or in connection with the business of the Employer,
including, but not by way of limitation, travel expenses, car allowance of
$500.00 per month, and memberships in professional organizations, dining or
country club, and similar benefits, subject to reasonable documentation and
other limitations as may be established by the Board of Directors.

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        4. TERMINATION AND TERMINATION BENEFITS.

        (a) Termination for Cause. The Executive's employment may be terminated
for Cause at any time without further liability on the part of the Employer.
Only the following shall constitute "Cause" for such termination:

                (i) gross incompetence, gross negligence, willful misconduct in
office or breach of material fiduciary duty owed to the Employer;

                (ii) conviction of a felony, a crime of moral turpitude or
commission of an act of embezzlement or fraud against the Employer or any
subsidiary or affiliate thereof;

                (iii) failure to cure a material breach by the Executive of a
material term of this Agreement after sixty (60) days written notice of the
breach; or

               (iv) deliberate dishonesty of the Executive with respect to the
Employer or any subsidiary or affiliate thereof.

        (b) Termination as a Consequence of Death or Disability. If the
Executive dies or becomes disabled while employed by Employer, Executive and/or
his estate shall be entitled to the following:

                (i) Employer shall pay Executive or his estate commission and
bonus payments accrued by Executive prior to his death or disability, regardless
of their closing date, together with information indicating the manner and basis
upon which such commissions and bonuses were calculated; and

                (ii) Employer shall pay Executive or his estate any bonuses that
would have been paid to Executive for a period of six (6) months following his
death or disability, together with information indicating the manner and basis
upon which such bonuses were calculated.

For purposes of this Section 4, Executive is "disabled" if he is unable to
perform substantially all of his duties and responsibilities hereunder, which
disability lasts for an uninterrupted period of at least 180 days or a total of
at least 240 days in any calendar year (as determined by the opinion of an
independent physician selected by the Board of Directors).

        (c) Termination by the Executive. The Executive may terminate his
employment hereunder with or without Good Reason (as defined below) by written
notice to the Board of Directors of the Employer effective thirty (30) days
after receipt of such notice by the Board of Directors. In the event the
Executive terminates his employment hereunder for Good Reason, the Executive
shall be entitled to the benefits specified in Section 4(d) and the Executive
shall not be required to render any further services to the Employer. Upon
termination of employment by the Executive without Good Reason, the Executive
shall be entitled to no further compensation or benefits under this Agreement.
"Good Reason" includes:

                (i) the failure by the Employer to comply with the provisions
        of Section 3 or material breach by the Employer of any other provision
        of this Agreement, which failure

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        or breach shall continue for more than sixty (60) days after the date on
        which the Board of Directors of the Employer receives a written notice;

                (ii) the assignment of the Executive without his consent to a
        position, responsibilities, or duties of a materially lesser status or
        degree of responsibility than his position, responsibilities, or duties
        at the Commencement Date;

                (iii) the requirement by the Employer that the Executive be
        based at any office location that is greater than thirty (30) miles from
        Executive's current office location;

                (iv) actions on the part of the Employer that are designed to or
        have the effect of making it impossible for Executive to or materially
        impair Executive's ability to perform his duties and responsibilities
        hereunder;

                (v) any Change of Control (as defined in Section 14) of Access.

A transaction described in clause (v) above shall only be deemed to be "Good
Reason" if the Executive terminates his employment by written notice to the
Board of Directors of the Employer within 180 days after the occurrence thereof.

        (d) Certain Termination Benefits. In the event of termination by the
Employer without Cause, or by the Executive with Good Reason, the Executive
shall be entitled to the following benefits:

                (i) For the period subsequent to the date of termination until
        the Expiration Date, Employer shall continue to pay the Executive his
        Base Salary in effect on the date of termination FOR A PERIOD OF 3
        YEARS, such payments to be made on the same periodic dates as salary
        payments would have been made to the Executive had this employment not
        been terminated, unless the Employer elects to make a lump sum severance
        payment in an equivalent amount within thirty (30) days of the date of
        termination; provided, however, that the Employer shall be required to
        make a lump sum severance payment in an equivalent amount within thirty
        (30) days of the date of termination in the event the Executive
        terminates his employment for Good Reason as a result of a Change of
        Control.

                (ii) To the extent the Executive is eligible for commissions,
        Employer shall pay Executive commissions for any loans originated by
        Executive prior to the date of termination, regardless of their closing
        date, together with information indicating the manner and basis upon
        which such commissions were calculated.

                (iii) For the period subsequent to the date of termination until
        the Expiration Date, Employer shall pay Executive any bonuses that would
        have been paid to Executive from the date of termination to the
        Expiration Date, together with information indicating the manner and
        basis upon which such bonuses were calculated.

                (iv) For the period subsequent to the date of termination until
        the Expiration Date, the Executive shall continue to receive medical,
        life and liability insurance benefits

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        pursuant to plans made available by the Employer to its employees at the
        expense of the Employer to substantially the same extent the Executive
        received such benefits on the date of termination (it being acknowledged
        that the post-termination plans may be different from the plans in
        effect on the date of termination). For purposes of application of such
        benefits, the Executive shall be treated as if he had remained in the
        employ of the Employer, with an annual Base Salary plus commission and
        bonus at the rate in effect on the date of termination.

                (v) The Employer's obligation to provide the Executive with
        medical and other insurance benefits pursuant to Section 4(d)(iv) hereof
        shall terminate with respect to each particular type of insurance in the
        event the Executive becomes employed and has made available to him in
        connection with such employment that particular type of insurance, so
        long as such insurance is substantially similar to the insurance
        provided by the Employer.

                (vi) In the event the termination date is within 9 months of the
        expiration date, the expiration date will be extended to be 9 months
        after the termination date.

        5. NONCOMPETITION AND CONFIDENTIAL INFORMATION.

        (a) Noncompetition. During the initial term and any successive term of
this Agreement and for one year following the termination or cessation of his
employment for any reason other than a termination by Employer without Cause or
a termination by Executive for Good Reason (other than a termination by the
Executive pursuant to Sections 4(c)(v) and (vi) in which case this Section 6(a)
will apply) (the "Restricted Period"), Executive will not, directly or
indirectly, whether as owner, partner, shareholder (except as a passive investor
owning less than 5% of any class of voting securities of any entity),
consultant, agency, executive, co-venturer or otherwise, or through any Person
compete with Employer's business (as defined below) in any location within a ten
(10) mile radius of an office in which the Employer is conducting business at
the time of the termination or cessation. In addition, during the Restricted
Period, Executive will not (i) hire or attempt to hire any officer or employee
of Employer or encourage any such officer or employee to terminate his or her
relationship with Employer, (ii) solicit or encourage any customer of Employer
to terminate its relationship with Employer, or (iii) conduct with any Person
any business or activity which such Person conducts with Employer, (iv) organize
a business that will engage in any business activity of the employer's business.
For purposes of this Employment Agreement, the Employer's business shall be
defined to include retail mortgage originations or the management of a retail
mortgage origination operation, loans and commercial and retail banking.

        (b) Confidential Information. Executive acknowledges and agrees that all
Confidential Information (as defined below) and all physical manifestations
thereof, are confidential to and shall be and remain the sole and exclusive
property of Employer. Upon request by Employer, and in any event upon
termination of Executive's employment with Employer for any reason, Executive
shall promptly deliver to Employer all property belonging to Employer including,
without limitation, all Confidential Information (and all manifestations thereof
then in his custody, control or possession). Executive agrees that during the
term of this contract with Employer and for a period of two years following the
termination of such

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employment, Executive shall not disclose or make available, directly or
indirectly, any Confidential Information to any Person, except in the proper
performance of his duties and responsibilities hereunder, with the prior written
consent of the Board of Directors of Employer, or as required by law.

        (c) Definition of Confidential Information. For purposes of this
Agreement, "Confidential Information" shall mean any and all data and
information relating to the business of Employer and its affiliated companies,
which (i) is disclosed to Executive during the course of his employment with
Employer, and (ii) has value to Employer and is not generally known by its
competitors. Confidential Information shall not include any data or information
that (i) has been voluntarily disclosed to the public by Employer or has become
generally known to the public (except where such public disclosure has been made
by or through Executive or by a third person or entity with the knowledge of
Executive in violation of this Agreement), (ii) has been independently developed
and disclosed by parties other than Executive or Employer to Executive or the
public generally without breach of any obligation of confidentiality by any such
person running directly or indirectly to Employer, or (iii) otherwise enters the
public domain through lawful means. Confidential information may include, but is
not limited to information relating to the financial affairs, customers,
products, processes, services, executives, Executive compensation, and marketing
of Employer and its affiliated companies, or public information that has been
assembled and analyzed by Employer or its affiliated companies so as to make
its use unique and beneficial to Employer or its affiliated companies and not
available to the public in the manner, format or methods developed by Employer
or its affiliated companies.

        (d) Specific Performance. The Executive recognizes and agrees that the
violation of Section 6(a) or Section 6(b) (collectively, the "Restrictive
Covenants") may not be reasonably or adequately compensated in damages and that,
in addition to any other relief to which the Employer may be entitled by reason
of such violation, it shall also be entitled to permanent and temporary
injunctive and equitable relief and, pending determination of any dispute with
respect to such violation, no bond or security shall be required in connection
therewith.

        (e) Definition of "Person". For all purposes of this Section 6, the term
"Person" shall mean an individual, a corporation, a limited liability company,
an association, a partnership, an estate, a trust and any other entity or
organization.

ALL BENEFITS AND OBLIGATIONS OF THE RESPECTIVE PARTIES UNDER THIS AGREEMENT
SHALL CEASE AS OF THE TERMINATION DATE UNLESS SPECIFICALLY PROVIDED FOR IN THIS
AGREEMENT OR RELATED CONTRACT OR PLAN.

        6. WITHHOLDING. All payments required to be made by the Employer
hereunder to the Executive shall be subject to the withholding of such amounts,
if any, relating to tax and other payroll deductions as the Employer may
reasonably determine should be withheld pursuant to any applicable law or
regulation.

        7. ASSIGNABILITY. Subject to Section 4(c) hereof, the Employer may
assign this Agreement and its rights and obligations hereunder in whole, but not
in part, to any corporation, company or other entity with or into which the
Employer may hereafter merge or consolidate or to which the employer may
transfer all or substantially all of its assets, if in any such case said

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corporation, company or other entity shall by operation of law or expressly in
writing assume all obligations of the-Employer hereunder as fully as if it had
been originally made a party hereto, but may not otherwise assign this Agreement
or their rights and obligations hereunder. The a Executive may not assign or
transfer this Agreement or any rights or obligations hereunder.

        8. NOTICE. For the purposes of this Agreement, notices and all other
communications provided for in this Agreement shall be in writing and shall be
deemed to have been duly given when sent via regular mail or certified mail,
facsimile, or overnight delivery addressed to the respective addresses set forth
below:

To the Employer:
               Chairman, Board of Directors
               Access National Bank
               14006 Lee Jackson Memorial Highway
               Chantilly, Virginia 20151

Copy to:
               Jacob A. Lutz, III, Esquire
               Mays & Valentine, L.L.P.
               Post Office Box 1122
               Richmond, Virginia 23208-1122

To the Executive:
               Robert C. Shoemaker
               Access National Bank
               14006 Lee Jackson Memorial Highway
               Chantilly, Virginia 20151

        9. AMENDMENT; WAIVER. No provisions of this Agreement may be modified,
waived or discharged unless such waiver modification or discharge is agreed to
in writing signed by the Executive and such officer or officers as may be
specifically designated by the Boards of Directors of the Employer to sign on
their behalf. No waiver by any party hereto at any time of any breach by any
party hereto of, or compliance with, any condition or provision of this
Agreement to be performed by such other party shall be deemed a waiver of
similar or dissimilar provisions or conditions at the same or at any prior or
subsequent time.

        10. GOVERNING LAW. This Agreement shall be governed by and construed in
accordance with the laws of the Commonwealth of Virginia.

        11. NATURE OF OBLIGATIONS. Nothing contained herein shall create or
require the Employer to create a trust of any kind to fund any benefits which
may be payable hereunder, and to the extent that the Executive acquires a right
to receive benefits from the Employer hereunder, such right shall be no greater
than the right of any unsecured general creditor of the Employer.

        12. CHANGE IN CONTROL. For all purposes of this Agreement, a "Change of
Control" shall mean:

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        (a) The acquisition by an individual, entity or group (within the
meaning of Section 13(d)(3) or 14(d)(2) of the Securities Exchange Act of 1934,
as amended (the "Exchange Act")) (a "Person"), of beneficial ownership (within
the meaning of Rule 13d-3 promulgated under the Exchange Act) of 20% or more of
the then outstanding shares of common stock of Access (the "Outstanding Access
Common Stock"); provided, however, that the following acquisitions shall not
constitute a Change of Control; (i) any acquisition directly from Access
(excluding an acquisition by virtue of the exercise of a conversion privilege),
(ii) any acquisition by any employee benefit plan (or related trust) sponsored
or maintained by Access, or (iii) any acquisition by any corporation pursuant to
a transaction described in subsection (c) of this Section 14 if, upon
consummation of the transaction, all of the conditions described in subsection
(c) are satisfied;

        (b) Individuals who, as of the date hereof, constitute the Board (the
"Incumbent Board") cease for any reason to constitute a majority of such Board;
provided, however, that any individual becoming a director subsequent to the
date hereof whose election, or nomination for election by Access's shareholders,
was approved by a vote of at least two-thirds of the directors then comprising
the Incumbent Board shall be considered as though such individual were a member
of the Incumbent Board, but excluding for this purpose any such individual whose
initial assumption of office occurs as a result of either an actual or
threatened election contest (as such terms are used in Rule 14a-1 1 of
Regulation 14A promulgated under the Exchange Act) or other, actual or
threatened solicitation of proxies or consents by or on behalf of a Person other
than the Board; or

        (c) Approval by the shareholders of Access of either (1) a
reorganization, merger, share exchange or consolidation of Access by, with or
into any other corporation or (2) the sale or disposition of all or
substantially all of the assets of Access (any of the foregoing transactions, a
"Reorganization"); provided, however, that approval by the shareholders of a
Reorganization shall not constitute a Change in Control if, upon consummation of
the Reorganization, each of the following conditions is satisfied:

                (i) more than 60% of the then outstanding shares of common stock
        of the corporation resulting from the Reorganization (including the
        transferee in the case of a sale or disposition of assets) is then
        beneficially owned, directly or indirectly, by all or substantially all
        of the individuals and entities who were beneficial owners of the
        Outstanding Access Common Stock immediately prior to the Reorganization
        in substantially the same proportions as their ownership, immediately
        prior to such transaction, of the Access Company Common Stock;

        (ii) no Person (excluding any employee benefit plan (or related trust)
        of Access) beneficially owns, directly or indirectly, 20% or more of
        either (1) the then outstanding shares of common stock of the
        corporation resulting from the Reorganization (including the transferee
        in the case of a sale or disposition of assets), or (2) the combined
        voting power of the then outstanding voting securities of such
        corporation entitled to vote generally in the election of directors; and

        (iii) at least a majority of the members of the board of directors of
        the corporation resulting from the Reorganization (including the
        transferee in the case of a sale or

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        disposition of assets) were members of the Incumbent Board at the time
        of the execution of the initial agreement providing for the
        Reorganization.

        13. ARBITRATION. If any dispute between Employer and Executive shall
arise under this agreement, the Executive or his estate will select, within 5
days, a nationally or regionally recognized independent accounting firm
mutually acceptable to each party (the agreement to the selection of which shall
not be unreasonably withhold) to resolve any such differences (the
"Arbitrator". The Arbitrator shall settle any remaining disputed items by
selecting the position of the party that the Arbitrator determines, in its sole
discretion, to be the most correct, and the fees and expenses of such Arbitrator
shall be borne by the party whose position was not selected by the Arbitrator;
The determination of the Arbitrator shall be set forth in writing, delivered to
each of the Employer and the Executive or his estate and shall be final and
binding on the parties hereto.

        14. NO MITIGATION. The Executive shall not be required to mitigate the
amount of any benefits hereunder by seeking other employment or otherwise, nor
shall the amount of any such benefits be reduced by any compensation earned by
the Executive as a result of employment by another employer after the Date of
Termination or otherwise.

        15. HEADINGS. The section headings contained in this Agreement are for
reference, purposes only and shall not affect in any way the meaning or
interpretation of this Agreement

        16. VALIDITY. The invalidity or unenforceability of any provision of
this Agreement not affect the validity or enforceability of any other provisions
of this Agreement, which remain in full force and effect.

        17. COUNTERPARTS. This Agreement may be executed in one or more
counterparts, each of which shall be deemed to be an original but all of which
together will constitute one and

        IN WITNESS WHEREOF, this Agreement has been executed as of the date
first above written.

                                        ACCESS NATIONAL BANK

                                        By: /s/ Joan Edgemund
                                           ------------------------
                                           Joan Edgemund (Director)

                                        EXECUTIVE

                                        By: /s/ Robert C. Shoemaker
                                           ------------------------
                                           Robert C. Shoemaker

650653v1

                                       9<PAGE>
                                                                    EXHIBIT 10.3

                              EMPLOYMENT AGREEMENT

          THIS EMPLOYMENT AGREEMENT (this "Agreement"), dated this 15th day of
December, 1999, between Access National Bank (in organization), a national
banking association (the "Employer") and Charles Wimer (the "Executive").

                                   WITNESSETH

        WHEREAS, the Executive has significant experience in banking, financial
management and general business management; and

        WHEREAS, the Employer considers the continued availability of the
Executive's services to be important to the management and conduct of the
Employer's business and desires to secure for themselves the continued
availability of the Executive's services; and

        WHEREAS, the Executive is willing to make his services available to the
Employer on the same terms and subject to the same conditions set forth herein.

        NOW THEREFORE, in consideration of the premises and the mutual
agreements. contained herein, the parties hereby agree as follows:

        1. EMPLOYMENT. The Executive shall be employed as Executive Vice
President and Chief Financial Officer of the Employer. The Executive shall have
such duties and responsibilities as are commensurate with such positions and
shall also render such other services and duties as may be reasonably assigned
to him from time to time by the Chief Executive Officer, consistent with his
positions. The Executive hereby accepts and agrees to such employment.

        2. TERM OF EMPLOYMENT. The term of employment shall begin on January 1,
2000 (the "Commencement Date") and continue for five years; provided. however,
that the term shall be extended automatically for an additional period of two
years at the end of the initial and all subsequent two year terms, unless either
the Executive or the Employer gives written notice to the other at least 120
days prior to the end of any such term of such party's election not to extend
the term of this Agreement. The last day on the last term or extended term of
this Agreement is referred to herein as the "Expiration Date." All benefits and
obligations of the respective parties under this Agreement shall cease as of the
Expiration Date unless specifically provided for in this Agreement or related
contract or plan.

        This agreement is null and void in the event the Executive is not
approved as an Executive Officer of the Employer by the Office of the
Comptroller of the Currency within 45 days following the date hereof.

<PAGE>

        3. COMPENSATION AND BENEFITS.

        (a) Base Salary. For all services rendered by the Executive under this
Agreement, the Employer shall pay the Executive an annual base salary of $85,000
per year (the "Base Salary"). At the conclusion of the second consecutive fiscal
quarter of profitable operation of the Bank, the Base Salary shall be increased
to $95,000 per annum and will increase at the end of each subsequent fiscal year
end thereafter at the discretion of the Board of Directors, provided such
increases are at a rate of no less than 7.5% of the then existing Base Salary.
The minimum annual increases as described herein shall require minimum financial
performance of the employer such that Net Income achieved is no less than 75% of
the budgeted amount or Return on Equity is no less than 6% and that the employer
receives an unqualified opinion in connection with the annual independent audit.
The Executive's salary shall be payable in accordance with payroll practices of
Employer to the officers of the company.

        (b) Annual Cash Bonus. As additional compensation, the Executive shall
be eligible to receive an annual cash bonus from the Employer in an amount up to
30% of Base Salary as based upon a performance evaluation by the Board of
Directors contemplating the following equally weighted factors (with a rating of
0-5 assigned to each, 0 meaning failure to perform and 5 meaning excellent
performance):

                 (i) Regulatory Exams/Audit Results;

                (ii) Asset Quality

               (iii) Return on Equity;

                (iv) General Budget Performance;

                 (v) Performance of duties and responsibilities as delineated in
                     the Job Description and evaluated by the Chief Executive
                     Officer.

        (c) Stock Options. As additional compensation, the Executive shall have
the right to receive stock options of the Employer in an amount equal to no less
than 750 shares of the Employer issued in the public offering of the Employer's
securities, which options shall vest and be exercisable in accordance with the
terms of the Stock Option Plan adopted by the Employer's Board of Directors and
shareholders.

        (d) Benefits and Vacation. During the term of the Agreement, Executive
shall be entitled to participate in and receive the benefits of certain pension
and other retirement benefit plans, profit sharing, stock option, or other
plans, benefits, and privileges given to executives of Employer, to the extent
commensurate with his then duties and responsibilities as determined by the
Board of Directors. The Executive shall also be entitled to four (4) weeks of
vacation per year. The Employer shall pay 100% of the Executive's health
insurance premiums for family coverage and disability insurance as prescribed
under the Employer sponsored health plan.

        (e) Business Expenses. The Employer shall reimburse Executive or
otherwise provide for or pay for all reasonable expenses incurred by Executive
in furtherance of or in connection with the business of the Employer, subject to
reasonable documentation and other limitations as may be established by the CEO
or Board of Directors.

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        4.TERMINATION AND TERMINATION BENEFITS.

        (a) Termination for Cause. The Executive's employment may be terminated
for Cause at any time without further liability on the part of the Employer.
Only the following shall constitute "Cause" for such termination:

            (i) gross incompetence, gross negligence, willful misconduct in
office or breach of material fiduciary duty owed to the Employer;

            (ii) conviction of a felony, a crime of moral turpitude or
commission of an act of embezzlement or fraud against the Employer or any
subsidiary or affiliate thereof;

            (iii) failure to cure a material breach by the Executive of a
material term of this Agreement after sixty (60) clays written notice of the
breach; or

            (iv) deliberate dishonesty of the Executive with respect to the
Employer or any subsidiary or affiliate thereof.

        (b) Termination as a Consequence of Death or Disability. If the
Executive dies or becomes disabled while employed by Employer, Executive and/or
his estate shall be entitled to the following:

            (i) Employer shall pay Executive or his estate commission and bonus
payments accrued by Executive prior to his death or disability, regardless of
their closing date, together with information indicating the manner and basis
upon which such commissions and bonuses were calculated; and

            (ii) Employer shall pay Executive or his estate any bonuses that
would have been paid to Executive for a period of six (6) months following his
death or disability, together with information indicating the manner and basis
upon which such bonuses were calculated.

For purposes of this Section 4, Executive is "disabled" if he is unable to
perform substantially all of his duties and responsibilities hereunder, which
disability lasts for an uninterrupted period of at least 180 days or a total of
at least 240 days in any calendar year (as determined by the opinion of an
independent physician selected by the Board of Directors).

        (c) Termination by the Executive. The Executive may terminate his
employment hereunder with or without Good Reason (as defined below) by written
notice to the Board of Directors of the Employer effective thirty (30) days
after receipt of such notice by the Board of Directors. In the event the
Executive terminates his employment hereunder for Good Reason, the Executive
shall be entitled to the benefits specified in Section 4(d) and the Executive
shall not be required to render any further services to the Employer. Upon
termination of employment by the Executive without Good Reason, the Executive
shall be entitled to no further compensation or benefits under this Agreement
"Good Reason" includes:

           (i) the failure by the Employer to comply with the provisions of
        Section 3 or material breach by the Employer of any other provision of
        this Agreement, which failure

                                       3
<PAGE>
        or breach shall continue for more than sixty (60) days after the date on
        which the Board of Directors of the Employer receives a written notice;

           (ii) the assignment of the Executive without his consent to a
        position, responsibilities, or duties of a materially lesser status or
        degree of responsibility than his position, responsibilities, or duties
        at the Commencement Date;

           (iii) the requirement by the Employer that the Executive be
        based at any office location that is greater than thirty (30) miles from
        Executive's current office location;

           (iv) actions on the part of the Employer that are designed to or
        have the effect of making it impossible for Executive to or materially
        impair Executive's ability to perform his duties and responsibilities
        hereunder;

           (v) any Change of Control (as defined in Section 14) of Access.

A transaction described in clause (v) above shall only be deemed to be "Good
Reason" if the Executive terminates his employment by written notice to the
Board of Directors of the Employer within 180 days after the occurrence thereof.

        (d) Certain Termination Benefits. In the event of termination by the
Employer without Cause, or by the Executive with Good Reason, the

        Executive shall be entitled to the following benefits:

           (i) For the period subsequent to the date of termination until
        the Expiration Date, Employer shall continue to pay the Executive his
        Base Salary in effect on the date of termination for a period of 1
        years, such payments to be made on the same periodic dates as salary
        payments would have been made to the Executive had this employment not
        been terminated, unless the Employer elects to make a lump sum severance
        payment in an equivalent amount within thirty (30) days of the date of
        termination; provided, however, that the Employer shall be required to
        make a lump sum severance payment in an equivalent amount within thirty
        (30) days of the date of termination in the event the Executive
        terminates his employment for Good Reason as a result of a Change of
        Control.

           (ii) To the extent the Executive is eligible for commissions or
        bonuses, Employer shall pay Executive commissions or bonuses that may
        have been earned prior to the date of termination.

           (iii) For the period subsequent to the date of termination until
        the Expiration Date, Employer shall pay Executive any bonuses that would
        have been paid to Executive from the date of termination to the
        Expiration Date, together with information indicating the manner and
        basis upon which such bonuses were calculated.

                (iv) For the period subsequent to the date of termination until
        the Expiration Date, the Executive shall continue to receive medical,
        life and liability insurance benefits pursuant to plans made available
        by the Employer to its employees at the expense of the

                                       4
<PAGE>

        Employer to substantially the same extent the Executive received such
        benefits on the date of termination (it being acknowledged that the
        post-termination plans may be different from the plans in effect on the
        date of termination). For purposes of application of such benefits, the
        Executive shall be treated as if he had remained in the employ of the
        Employer, with an annual Base Salary plus commission and bonus at the
        rate in effect on the date of termination.

           (v) The Employer's obligation to provide the Executive with
        medical and other insurance benefits pursuant to Section 4(dXiv) hereof
        shall terminate with respect to each particular type of insurance in the
        event the Executive becomes employed and has made available to hit in
        connection with such employment that particular type of insurance, so
        long as such insurance is substantially similar to the insurance
        provided by the Employer.

           (vi) In the event the termination date is within 9 months of the
        expiration date, the expiration date will be extended to be 9 months
        after the termination date.

        5. NONCOMPETITION AND CONFIDENTIAL INFORMATION.

        (a) Noncompetition. During the initial term and any successive term of
this Agreement and for one year following the termination or cessation of his
employment for any reason other than a termination by Employer without Cause or
a termination by Executive for Good Reason (other than a termination by the
Executive pursuant to Sections 4(c)(v) and (vi) in which case this Section 6(a)
will apply) (the "Restricted Period"), Executive will not, directly or
indirectly, whether as owner, partner, shareholder (except as a passive investor
owning less than 5% of any class of voting securities of any entity),
consultant, agency, executive, co-venturer or otherwise, or through any Person
compete with Employer's business (as defined below) in any location within a ten
(10) mile radius of an office in which the Employer is conducting business at
the time of the termination or cessation. In addition, during the Restricted
Period, Executive will not (i) hire or attempt to hire any officer or employee
of Employer or encourage any such officer or employee to terminate his or her
relationship with Employer, (ii) solicit or encourage any customer of Employer
to terminate its relationship with Employer, or (iii) conduct with any Person
any business or activity which such Person conducts with Employer, (iv) organize
a business that will engage in any business activity of the employer's business.
For purposes of this Employment Agreement, the Employer's business shall be
defined to include retail mortgage originations or the management of a retail
mortgage origination operation, loans and commercial and retail banking.

        (b) Confidential Information. Executive acknowledges and agrees that all
Confidential Information (as defined below) and all physical manifestations
thereof, are confidential to and shall be and remain the sole and exclusive
property of Employer. Upon request by Employer, and in any event upon
termination of Executive's employment with Employer for any reason, Executive
shall promptly deliver to Employer all property belonging to Employer including~
without limitation, all Confidential Information (and all manifestations thereof
then in his custody, control or possession). Executive agrees that during the
term of this contract with Employer and for a period of two years following the
termination of such employment, Executive shall not disclose or make available,
directly or indirectly, any

                                       5
<PAGE>

Confidential Information to any Person, except in the proper performance of his
duties and responsibilities hereunder, with the prior written consent of the
Board of Directors of Employer, or as required by law.

        (c) Definition of Confidential Information. For purposes of this
Agreement, "Confidential Information" shall mean any and all data and
information relating to the business of Employer and its affiliated companies,
which (i) is disclosed to Executive during the course of his employment with
Employer, and (ii) has value to Employer and is not generally known by its
competitors. Confidential Information shall not include any data or information
that (i) has been voluntarily disclosed to the public by Employer or has become
generally known to the public (except where such public disclosure has been made
by or through Executive or by a third person or entity with the knowledge of
Executive in violation of this Agreement), (ii) has been independently developed
and disclosed by parties other than Executive or Employer to Executive or the
public generally without breach of any obligation of confidentiality by any such
person running directly or indirectly to Employer, or (iii) otherwise enters the
public domain through lawful means. Confidential Information may include, but is
not limited to information relating to the financial affairs, customers,
products, processes, services, executives, Executive compensation, and marketing
of Employer and its affiliated companies, or public information that has been
assembled and analyzed by Employer or its affiliated companies so as to make its
use unique and beneficial to Employer or its affiliated companies and not
available to the public in the manner, format or methods developed by Employer
or its affiliated companies.

        (d) Specific Performance. The Executive recognizes and agrees that the
violation of Section 6(a) or Section 6(b) (collectively, the "Restrictive
Covenants") may not be reasonably or adequately compensated in damages and that,
in addition to any other relief to which the Employer may be entitled by reason
of such violation, it shall also be entitled to permanent and temporary
injunctive and equitable relief and, pending determination of any dispute with
respect to such violation, no bond or security shall be required in connection
therewith.

        (e) Definition of "Person". For all purposes of this Section 6, the term
"Person" shall mean an individual, a corporation, a limited liability company,
an association, a partnership, an estate, a trust and any other entity or
organization.

All benefits and obligations of the respective parties under this Agreement
shall cease as of the Termination Date unless specifically provided for in this
Agreement or related contract or plan.

        6. WITHHOLDING. All payments required to be made by the Employer
hereunder to the Executive shall be subject to the withholding of such amounts,
if any, relating to tax and other payroll deductions as the Employer may
reasonably determine should withheld pursuant to any applicable law or
regulation.

        7. ASSIGNABILITY. Subject to Section 4(c) hereof the Employer may assign
this Agreement and its rights and obligations hereunder in whole, but not in
part, to any corporation, company or other entity with or into which the
Employer may hereafter merge or consolidate or to which the employer may
transfer all or substantially all of its assets, if in any such case said
corporation, company or other entity shall by operation of law or expressly in
writing assume all obligations of the Employer hereunder as fully as if it had
been originally made a party hereto,

                                       6
<PAGE>

but may not otherwise assign this Agreement or their rights and obligations
hereunder. The Executive may not assign or transfer this Agreement or any rights
or obligations hereunder.

        8. NOTICE. For the purposes of this Agreement, notices and all other
communications provided for in this Agreement shall be in writing and shall be
deemed to have been duly given when sent via regular mail or certified mail,
facsimile, or overnight delivery addressed to the respective addresses set forth
below:

To the Employer:
           Chief Executive Officer
           Access National Bank
           14006 Lee Jackson Memorial Highway
           Chantilly, Virginia 20151

Copy to:
           Jacob A. Lutz, III, Esquire
           Mays & Valentine, LLP.
           Post Office Box 1122
           Richmond, Virginia 23208-1122

To the Executive:
           Charles Wimer
           Access National Bank
           14006 Lee Jackson Memorial Highway
           Chantilly, Virginia 20151

        9. AMENDMENT; WAIVER. No provisions of this Agreement may be modified,
waived or discharged unless such waiver, modification or discharge is agreed to
in writing signed by the Executive and such officer or officers as may be
specifically designated by the Boards of Directors of the Employer to sign on
their behalf. No waiver by any party hereto at any time of any breach by any
party hereto of: or compliance with, any condition or provision of this
Agreement to be performed by such other party shall be deemed a waiver of
similar or dissimilar provisions or conditions at the same or at any prior or
subsequent time.

        10. GOVERNING LAW. This Agreement shall be governed by and construed in
accordance with the laws of the Commonwealth of Virginia.

        11. NATURE OF OBLIGATIONS. Nothing contained herein shall create or
require the Employer to create a trust of any kind to fund any benefits which
may be payable hereunder, and to the extent that the Executive acquires a right
to receive benefits from the Employer hereunder, such right shall be no greater
than the right of any unsecured general creditor of the Employer.

        12. CHANGE IN CONTROL. For all purposes of this Agreement, a "Change of
Control" shall mean:

        (a) The acquisition by an individual, entity or group (within the
meaning of Section 13(d)(3) or l4(d)(2) of the Securities Exchange Act of 1934,
as amended (the "Exchange Act"))

                                       7
<PAGE>

(a "Person"), of beneficial ownership (within the meaning of Rule 13d-3
promulgated under the Exchange Act) of 20% or more of the then outstanding
shares of common stock of Access (the "Outstanding Access Common Stock");
provided, however, that the following acquisitions shall not constitute a Change
of Control; (i) any acquisition directly from Access (excluding an acquisition
by virtue of the exercise of a conversion privilege), (ii) any acquisition by
any employee benefit plan (or related trust) sponsored or maintained by Access,
or (iii) any acquisition by any corporation pursuant to a transaction described
in subsection (c) of this Section 14 if, upon consummation of the transaction,
all of the conditions described in subsection (c) are satisfied;

        (b) Individuals who, as of the date hereof: constitute the Board (the
"Incumbent Board") cease for any reason to constitute a majority of such Board;
provided, however, that any individual becoming a director subsequent to the
date hereof whose election, or nomination for election by Access's shareholders,
was approved by a vote of at least two-thirds of the directors then comprising
the Incumbent Board shall be considered as though such individual were a member
of the Incumbent Board, but excluding for this purpose any such individual whose
initial assumption of office occurs as a result of either an actual or
threatened election contest (as such terms are used in Rule 14a-11 of Regulation
14A promulgated under the Exchange Act) or other actual or threatened
solicitation of proxies or consents by or on behalf of a Person other than the
Board; or

        (c) Approval by the shareholders of Access of either (1) a
reorganization, merger, share exchange or consolidation of Access by, with or
into any other corporation or (2) the sale or disposition of all or
substantially all of the assets of Access (any of the foregoing transactions, a
"Reorganization"); provided, however, that approval by the shareholders of a
Reorganization shall not constitute a Change in Control if, upon consummation of
the Reorganization, each of the following conditions is satisfied:

            (i) more than 60% of the then outstanding shares of common stock
        of the corporation resulting from the Reorganization (including the
        transferee in the case of a sale or disposition of assets) is then
        beneficially owned, directly or indirectly, by all or substantially all
        of the individuals and entities who were beneficial owners of the
        Outstanding Access Common Stock immediately prior to the Reorganization
        in substantially the same proportions as their ownership, immediately
        prior to such transaction, of the Access Company Common Stock;

        (ii) no Person (excluding any employee benefit plan (or related trust)
        of Access) beneficially owns, directly or indirectly, 20% or more of
        either (1) the then outstanding shares of common stock of the
        corporation resulting from the Reorganization (including the transferee
        in the case of a sale or disposition of assets), or (2) the combined
        voting power of the then outstanding voting securities of such
        corporation entitled to vote generally in the election of directors;
        and

        (iii) at least a majority of the members of the board of directors of
        the corporation resulting from the Reorganization (including the
        transferee in the case of a sale or disposition of assets) were members
        of the Incumbent Board at the time of the execution of the initial
        agreement providing for the Reorganization.

                                       8
<PAGE>

        13. ARBITRATION. If any dispute between Employer and Executive shall
arise under this agreement, the Executive or his estate will select, within 5
days, a nationally or regionally recognized independent accounting firm mutually
acceptable to each party (the agreement to the selection of which shall not be
unreasonably withheld) to resolve any such differences (the "Arbitrator"). The
Arbitrator shall settle any remaining disputed items by selecting the position
of the party that the Arbitrator determines, in its sole discretion, to be the
most correct, and the fees and expenses of such Arbitrator shall be borne by the
party whose position was not selected by the Arbitrator. The determination of
the Arbitrator shall be set forth in writing, delivered to each of the Employer
and the Executive or his estate and shall be final and binding on the parties
hereto.

        14. NO MITIGATION. The Executive shall not be required to mitigate the
amount of any benefits hereunder by seeking other employment or otherwise, nor
shall the amount of any such benefits be reduced by any compensation earned by
the Executive as a result of employment by another employer after the Date of
Termination or otherwise.

        15. HEADINGS. The section headings contained in this Agreement are for
reference purposes only and shall not affect in any way the meaning or
interpretation of this Agreement.

        16. VALIDITY. The invalidity or unenforceability of any provision of
this Agreement shall not affect the validity or enforceability of any other
provisions of this Agreement, which shall remain in full force and effect.

        17. COUNTERPARTS. This Agreement may be executed in one or more
counterparts, each of which shall be deemed to be an original but all of which
together will constitute one and the same instrument.

        IN WITNESS WHEREOF, this Agreement has been executed as of the date
first above written.

                        ACCESS NATIONAL BANK

                        By:   [ILLEGIBLE SIGNATURE]
                           --------------------------------

                        EXECUTIVE

                        By:  /s/ CHARLES WIMER
                           --------------------------------
                             Charles Wimer

                                       9

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