Document:

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                                                                    EXHIBIT 10.2

                            UNITED STATES OF AMERICA
                                   BEFORE THE
                          OFFICE OF THRIFT SUPERVISION

--------------------------------------------
In the Matter of:                           )
                                            )
Greater Atlantic Bank                       )        OTS Order No.:  SE-09-028
Reston, Virginia                            )
                                            )
OTS Docket No.  08491                       )        Dated:   May 22, 2009
                                            )
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                       PROMPT CORRECTIVE ACTION DIRECTIVE

         WHEREAS, Greater Atlantic Bank, Reston, Virginia (Institution), is a
federally chartered savings Institution that is regulated by the Office of
Thrift Supervision (OTS); and

         WHEREAS, Section 38 of the Federal Deposit Insurance Act (FDIA), 12
U.S.C. ss. 1831o, and Part 565 of the OTS Regulations, 12 C.F.R. Part 565,
require institutions that are undercapitalized to file a capital restoration
plan specifying the steps the institution will take to become at least
adequately capitalized; and

         WHEREAS, Section 38 of FDIA, 12 U.S.C. ss. 1831o, requires the OTS to
take prompt corrective action to resolve the problems of insured depository
institutions at the least possible long-term loss to the deposit insurance fund;
and

         WHEREAS, Section 565.7 of the OTS Regulations, 12 C.F.R. ss. 565.7,
provides for the OTS's issuance of directives to take prompt corrective action
to resolve the problems of insured depository institutions and to restore their
capital; and

         WHEREAS, the OTS, on February 10, 2009, notified the Institution that
it was undercapitalized for purposes of the prompt corrective action provisions
of Section 38 of FDIA, 12 U.S.C. ss. 1831o; and

         WHEREAS, the Institution also is not in compliance with the capital
standards required by Section 5(t) of the Home Owners' Loan Act (HOLA), 12
U.S.C. ss. 1464(t); and

         WHEREAS, Section 5(t)(6)(B)(ii) of HOLA, 12 U.S.C. ss.
1464(t)(6)(B)(ii), requires any institution not in compliance with the capital
standards to comply with a capital directive issued by the OTS; and

         WHEREAS, on March 16, 2009, the Institution submitted to the OTS a
capital restoration plan (Capital Plan); and

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         WHEREAS, the OTS issued a Notice of Intent to Issue this Prompt
Corrective Action Directive (PCA Directive) on May 11, 2009; has considered the
Institution's response dated May 20, 2009; and has determined to issue this PCA
Directive in order to carry out the purposes of Section 38 of FDIA, 12 U.S.C.
ss. 1831o, to resolve the Institution's capital deficiency at the least
long-term loss to the depository insurance fund; and

         WHEREAS, the OTS has considered the Institution's capital deficiency,
the Capital Plan, in accordance with Section 567.10 of the OTS Regulations, 12
C.F.R. ss. 567.10, and Section 38(e)(2) of FDIA, 12 U.S.C. ss. 1831o(e)(2) and
denied the Capital Plan as set forth in a letter to the Institution, dated May
11, 2009; and

         WHEREAS, the Institution and its Board of Directors, by execution of
the attached Stipulation to the issuance of this PCA Directive, the terms of
which are incorporated herein by this reference, have stipulated and consented
to the issuance of the PCA Directive; and

         WHEREAS, the OTS having issued a Notice of Intent to issue this PCA
Directive on May 11, 2009, and having considered the response thereto filed by
the Institution, has determined to issue this PCA Directive in order to resolve
the Institution's problems at the least long term cost to the deposit insurance
fund, thereby effectuating the purpose of Section 38 of FDIA, 12 U.S.C. ss.
1831o.

         NOW THEREFORE, pursuant to Section 38 of FDIA, 12 U.S.C. ss. 1831o,
including but not limited to subsection (f) thereof, Section 5(t)(6)(B)(ii) of
HOLA, 12 U.S.C. ss. 1464(t)(6)(B)(ii), and Section 565.7 of the OTS Regulations,
12 C.F.R. ss. 565.7, the OTS directs the Institution and its Board of Directors
to do the following:(1)

PART I - IMPROVING CAPITAL

Section 1.1       Required Merger, Acquisition, or Sale.
                  -------------------------------------

         Pursuant to 12 U.S.C. ss.ss. 1831o(f)(2)(A)(iii) and (e)(5), the
Institution must be recapitalized by (a) merging with or being acquired by
another financial institution, financial holding company, or other entity(2), or
(b) the sale of all or substantially all of the Institution's assets and
liabilities to another financial institution, financial institution holding
company, or other entity, within ten (10) days. The Institution shall submit a
binding merger or acquisition agreement to the OTS within five (5) days, unless
extended in writing by the OTS. The Institution's management and Board of
Directors shall take appropriate steps to accomplish such merger, acquisition or
sale.

-----------------------------
(1)   The OTS must impose one or more of the presumptive restrictions set forth
in 12 U.S.C. ss. 1831o(f), especially 12 U.S.C. ss. 1831o(f)(3) and (4) if (1)
the institution is significantly or critically undercapitalized, (2) is
undercapitalized and did not submit an acceptable capital restoration plan or
(3) the institution fails to implement an approved plan. Critically
undercapitalized are also subject to restrictions in 12 U.S.C. ss. 1831o(i).
(2)   For the purposes of this PCA Directive, "other entity" may include but is
not limited to an individual, a group of individuals, a partnership, a
corporation, or any other form of business organization that may, under
applicable statutes and regulations, merge with or acquire the Institution or
purchase all or substantially all of its assets and liabilities.

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Section 1.2       Required Recapitalization.
                  -------------------------

         Pursuant to 12 U.S.C. ss.ss. 1831o(f)(2)(A) and (f)(2)(J), the
Institution is directed to achieve and maintain, at a minimum, the following
capital levels within ten (10) days:

                  Total Risk Based Capital Ratio:             8.0%
                  Tier 1 Core Risk Based Capital Ratio:       4.0%
                  Leverage Ratio:                             4.0%

Section 1.3       Efforts to Obtain Capital.
                  -------------------------

         The Board of Directors of the Institution shall at all times make
diligent and good faith efforts to cause the Institution to comply with Sections
1.1 and 1.2. For purposes of this PCA Directive, diligent and good faith efforts
to seek capital shall include, but not be limited to, the following:

      A.   Authorize and direct appropriate Institution officers to take
           appropriate actions consistent with the Institution's obligations
           under Sections 1.1 and 1.2, which include, but are not limited to,
           taking all reasonably practicable steps to remove impediments to
           increasing capital;

      B.   Cause the Institution to hire such professionals as are necessary and
           appropriate to fulfill the Institution's obligations under Sections
           1.1 and 1.2;

      C.   Cause the Institution to share appropriate information about itself
           with potential acquirors, merger partners or purchasers, including,
           but not limited to, any such potential acquiror, merger partner or
           purchaser identified or referred to the Institution by the OTS or the
           Federal Deposit Insurance Corporation (FDIC); and

      D.   Inform the OTS and the FDIC, in writing, of (i) all efforts the
           Institution has made to seek capital and (ii) all expressions of
           interest by prospective investors, acquirors, or merger candidates,
           including referrals from the OTS or the FDIC by close of business
           each calendar Friday following the Effective Date of this PCA
           Directive.

The OTS requires this action, pursuant to 12 U.S.C. ss. 1831o(e)(5), having
determined that such actions will better carry out the purposes of 12 U.S.C. ss.
1831o.

Section 1.4       Prior Notice Required; Change in Status.
                  ---------------------------------------

      A.   The Institution shall not issue any securities; enter into any
           agreement or understanding to merge, consolidate, sell all or
           substantially all of its assets and liabilities; or enter into any
           agreement of understanding to reorganize; or otherwise be acquired

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           unless (i) the Institution has provided the OTS with prior written
           notice of its intention to take such action, and (ii) following such
           notice, the OTS has provided the Institution with prior written
           notice of its non-objection to the proposed action by the
           Institution.

      B.   Upon notification that it is "critically undercapitalized" pursuant
           to 12 C.F.R. ss. 565.3, the Institution will cooperate fully with
           FDIC efforts to avoid a loss or otherwise minimize exposure to the
           insurance fund. Such cooperation includes, but is not limited to,
           responding to requests for information, providing full access to
           personnel, agents and service providers, accommodating on-site
           visits, and permitting FDIC to provide otherwise confidential
           information to third parties to facilitate the liquidation or other
           resolution of the Institution in anticipation of the possible
           appointment of FDIC as conservator, receiver, or other legal
           custodian.

      C.   The OTS directs these actions pursuant to 12 U.S.C. ss. 1831o(e)(5)
           and based upon the OTS's determination that such actions will better
           carry out the purposes of 12 U.S.C. ss. 1831o.

Section 1.5       OTS Marketing Efforts.
                  ---------------------

         In accordance with Paragraph 5 of the accompanying Stipulation, the
Institution agrees to the following in connection with the OTS's efforts to
assist in the possible merger, acquisition, or sale of the Institution by or to
qualified parties:

      A.   The OTS, acting through its authorized representatives, is hereby
           authorized to market the Institution to prospective acquirors, merger
           partners or buyers (hereinafter, buyers) using the OTS's marketing
           procedures and to receive and evaluate all offers submitted for
           acquisition of the Institution provided, however that upon receipt of
           documentation acceptable to the Regional Director in his sole
           discretion, that the Institution's capital position, pursuant to 12
           U.S.C. ss. 1831o and all applicable regulations, is "adequately
           capitalized" or better, the Institution's consent to the appointment
           of a conservator, receiver, or other legal custodian, in accordance
           with Paragraph 4 of the Stipulation, as well as the Institution's
           agreement to approve any offer, as outlined in subparagraph (D)
           below, shall be suspended;

      B.   The Board of Directors shall direct the Institution and its agents
           and employees to take all reasonable steps to assist the OTS in
           marketing the Institution. Such assistance shall include, but not be
           limited to, preparing an updated marketing package and assisting
           eligible buyers in conducting due diligence examinations of the
           Institution;

      C.   The OTS, acting through its authorized representatives, is permitted
           to negotiate a plan of merger, consolidation, transfer of the
           Institution's assets and liabilities, reorganization, acquisition or
           capital infusion (Plan of Combination or Reorganization) on behalf of
           the Institution, and to draft proposed documents for any such Plan of
           Combination or Reorganization;

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      D.   The Board of Directors shall immediately take under consideration any
           reasonable offer to enter into a Plan of Combination or
           Reorganization (hereinafter collectively, Offer) that is forwarded
           and recommended to the Board of Directors by the OTS, and shall
           promptly approve any such Offer that protects the interests of the
           depositors, creditors and borrowers of the Institution;

      E.   The Board of Directors shall recommend to the shareholders of the
           Institution any Offer approved by the Board of Directors pursuant to
           subparagraph (D) above, if approval of the Offer by the shareholders,
           or any portion thereof, is legally required; and

      F.   Upon receipt of any necessary approvals pursuant to subparagraph (D)
           and (E) above and at the direction of the OTS, the Institution shall
           take all corporate actions necessary to accept the Offer and
           consummate the Plan of Combination or Reorganization.

The OTS is imposing these provisions pursuant to 12 U.S.C. ss. 1831o(e)(5) based
on its determination that these provisions will better carry out the purposes of
12 U.S.C. ss. 1831o.

Section 1.6       Reports of Compliance.
                  ---------------------

      A.   No later than seven (7) calendar days following the end of each
           calendar week, management of the Institution shall prepare, and the
           Board of Directors of the Institution shall review, a written report
           concerning the Institution's compliance with the requirements of this
           PCA Directive during the preceding calendar week. The report and
           review shall include verification of the Institution's prompt
           corrective action capital category and confirmation that the
           Institution is in compliance with: (i) all restrictions that apply
           automatically to an institution in that category, and (ii) with the
           other restrictions and requirements contained in this PCA Directive.
           The Institution shall document this review in the minutes of the
           meeting of the Board of Directors. All documentation considered by
           the Board of Directors in performing its review shall be explicitly
           referenced in the minutes of the meeting at which the review was
           undertaken.

      B.   By no later than seven (7) calendar days following the end of each
           calendar week, the Institution shall submit the following documents
           to the OTS in a format acceptable to the OTS, which may include
           reports to and responses from the Board of Directors documented in
           the Board of Directors meeting minutes:

           1.   variance reports for: (a) activities, capital levels/targets
                established by Sections 1.1 and 1.2, and (b) each of the
                operating restrictions imposed in Part II of this PCA Directive;

           2.   confirmation of the Institution's compliance with this PCA
                Directive or a description of any instance of noncompliance with
                any of the Institution's obligations under this PCA Directive
                and the specific measures undertaken to cure such noncompliance;
                and

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           3.   if requested, copies of the minutes of the Institution's Board
                of Directors supporting actions taken to comply with Sections
                1.1, 1.2, and 1.3 of this PCA Directive.

      C.   The Board of Directors shall provide the OTS a written biweekly
           report updating in detail the status of its efforts to (i) merge with
           or be acquired by another financial institution, financial
           institution holding company or other entity, or (ii) sell all or
           substantially all of the Institution's assets and liabilities to
           another financial institution, financial institution holding company
           or other entity. The biweekly status report shall provide a summary
           of actions, during the immediately preceding two weeks, taken by the
           Institution and its Board of Directors and executive officers in
           furtherance of the Institution's efforts to arrange a merger,
           acquisition, or sale, as required by Section 1.1. The first
           biweekly/monthly status report should be delivered to the OTS on the
           second calendar Friday after the Effective Date of this PCA Directive
           and subsequent reports should be delivered to the OTS every other
           calendar Friday following the delivery of the first report. The Board
           of Directors will continue to provide biweekly status reports to the
           OTS until directed otherwise by the Regional Director.

      D.   The OTS directs the actions required by this Section 1.7 pursuant to
           12 U.S.C. ss. 1831o(e)(5), and based upon a determination by the OTS
           that such action will better carry out the purposes of 12 U.S.C. ss.
           1831o.

Section 1.7       Adequate Progress.
                  -----------------

      If the OTS, in its sole discretion, determines that the Institution is
failing to make adequate progress toward achieving the requirements set forth in
Sections 1.1 and 1.2 above, the OTS may take such further supervisory,
enforcement, or resolution action as it deems appropriate.

PART II - OPERATING RESTRICTIONS

MANDATORY RESTRICTIONS
----------------------

Section 2.1       Compliance with Mandatory Restrictions.

     A.    The Institution shall comply with all of the mandatory prompt
           corrective action provisions set forth in 12 U.S.C. ss. 1831o and 12
           C.F.R. ss. 565.6 that automatically apply to the Institution based
           upon the Institution's prompt corrective action capital category.
           These provisions are set forth as follows:

           1.      No capital distributions may be made without the prior
                   written approval of the OTS if: (a) the Institution is not
                   adequately capitalized, or (b) after making the distribution,
                   the Institution would be undercapitalized. 12 U.S.C. ss.
                   1831o(d)(1); 12 C.F.R. ss.ss. 565.6(a)(1) and (a)(2)(i).

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           2.      No management fees may be paid to any person having control
                   of the Institution if: (a) the Institution is not adequately
                   capitalized, or (b) after making the payment, the Institution
                   would be undercapitalized. 12 U.S.C. ss. 1831o(d)(2); 12
                   C.F.R. ss.ss. 565.6(a)(1) and (a)(2)(i).

           3.      The Institution may not permit its average total assets
                   during any calendar quarter to exceed its average total
                   assets during the preceding quarter unless (a) the OTS has
                   accepted the Institution's capital restoration plan, (b) the
                   increase in assets is consistent with the plan, and (c) the
                   Institution's ratio of tangible equity to assets increases
                   during the calendar quarter at a rate sufficient to enable
                   the Institution to become adequately capitalized within a
                   reasonable time. 12 U.S.C. ss. 1831o(e)(3); 12 C.F.R. ss.
                   565.6(a)(2)(iv).

           4.      The Institution may not, directly or indirectly, acquire any
                   interest in any company or insured depository institution,
                   establish or acquire any additional branch office, or engage
                   in any new line of business, unless (a) the OTS has accepted
                   the Institution's capital restoration plan, the Institution
                   is in compliance with the plan, and the OTS determines that
                   the action is consistent with, and will further achievement
                   of the plan, or (b) the FDIC's Board of Directors approves
                   the action. 12 U.S.C. ss. 1831o(e)(4); 12 C.F.R. ss.
                   565.6(a)(2)(v).

           5.      The Institution may not accept, renew or roll over any
                   brokered deposit. 12 U.S.C. ss. 1831f(a); 12 C.F.R. ss.
                   337.6(b)(3). The Institution shall make disclosures to all
                   employee benefit plan depositors within ten business days of
                   the date that it is deemed to have notice of its PCA capital
                   category. The disclosure must state that new, rolled-over, or
                   renewed plan deposits are ineligible for pass-through FDIC
                   deposit insurance for as long as the Institution remains
                   undercapitalized, or fails to obtain a brokered-deposit
                   waiver upon becoming adequately capitalized. 12 C.F.R. ss.
                   330.14(h) and the OTS Regulatory Bulletin 33a, dated March
                   13, 1996.

           6.      The Institution shall file a capital restoration plan
                   pursuant to 12 U.S.C. ss. 1831o(e)(2) and 12 C.F.R. ss.
                   565.5.

           7.      The Institution shall monitor its compliance with the
                   applicable requirements of 12 U.S.C. ss. 1831o(e) and 12
                   C.F.R. Part 565.

           8.      The Institution may not, without the OTS's prior written
                   approval (a) pay any bonus to any senior executive officer,
                   or (b) provide compensation to any senior executive officer
                   exceeding that officer's average rate of compensation
                   (excluding bonuses, stock options, and profit-sharing) during
                   the 12 calendar months preceding the calendar month in which
                   the Institution became undercapitalized. 12 U.S.C. ss.
                   1831o(f)(4); 12 C.F.R. ss. 565.6(a)(3).

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     B.     If the Institution's PCA capital category deteriorates to a lower
            level, the Institution shall comply with the above restrictions, as
            well as all of the additional mandatory prompt corrective action
            provisions applicable to its lower PCA capital category.

     C.     If the Institution should improve from a lower to a higher PCA
            capital category, it must continue to comply with the previously
            applicable mandatory sanctions of the lower category, until such
            time as approval to cease compliance with the lower category
            sanctions is requested of, and received from the OTS.

     D.     To the degree that any restriction contained in any subsequent
            Section of this PCA Directive is imposed pursuant to 12 U.S.C. ss.
            1831o(f)(2), the OTS hereby imposes those restrictions pursuant to
            12 U.S.C. ss. 1831o(e)(5), based upon the determination that the
            restrictions are necessary to carry out the purpose of 12 U.S.C. ss.
            1831o.

INTEREST RATES
--------------

Section 2.2       Restrictions on Interest Rates; Brokered Deposits.
                  -------------------------------------------------

     A.    The Institution shall restrict the rates it pays on deposits to the
           prevailing rates of interest on deposits of comparable amounts and
           maturities in the Institution's normal market area. Nothing herein
           shall be construed as requiring a reduction of rates paid on
           outstanding time deposits prior to their renewal. The OTS is imposing
           this restriction pursuant to 12 U.S.C. ss. 1831o(f)(2)(C).

     B.    Notwithstanding the foregoing restrictions, the Institution may pay
           interest rates that exceed the interest rates that would be permitted
           under the foregoing restrictions provided that: (a) the interest
           rates are within the limitations of 12 C.F.R. ss. 337.6; and (b) the
           interest rates are necessary to most effectively manage the
           Institution's weighted average cost of funds, giving consideration to
           the Institution's liquidity requirements.

     C.    Pursuant to 12 U.S.C. ss.ss. 1831o(f)(5) and (i)(2)(G) and 12 C.F.R.
           ss. 337.6, based upon a determination by the OTS that the action is
           necessary to carry out the purpose of 12 U.S.C. ss. 1831o, the
           Institution may not pay interest on new or renewed liabilities at a
           rate that would increase the Institution's weighted average cost of
           funds to a level significantly exceeding the prevailing rates of
           interest on insured deposits in the Institution's normal market
           areas.

GROWTH
------

Section 2.3       Growth Restrictions.
                  -------------------

      Pursuant to 12 U.S.C. ss. 1831o(e)(3), the Institution shall not permit
its average total assets during any calendar quarter to exceed its average total
assets during the preceding quarter unless: (a) the OTS has accepted the
Institution's Capital Plan; (b) any increase in total assets is consistent with

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such Capital Plan, and (c) the Institution's ratio of tangible equity to assets
increases during the quarter at a rate sufficient to make the Institution
adequately capitalized within ten (10) days. The OTS is imposing this
restriction pursuant to 12 U.S.C. ss. 1831o(e)(3).

ACTIVITIES POSING EXCESSIVE RISK
--------------------------------

Section 2.4       Restrictions on Activities Posing Excessive Risk.
                  ------------------------------------------------

      A.        The Institution's activities are restricted as provided by this
                Section 2.4. The OTS imposes these restrictions pursuant to 12
                U.S.C. ss.ss. 1831o(f)(2)(E) and (f)(2)(J), having determined
                that those activities not permitted pose excessive risk to the
                Institution in view of its deteriorating financial condition and
                that the restrictions will better carry out the purposes of 12
                U.S.C. ss. 1831o.

      B.        Restricted Activities. Except as permitted by subsection (c) of
                ---------------------
                this Section 2.4, or as may be required by legally binding
                written commitments of the Institution outstanding on Friday,
                May 8, 2009, the Institution shall not directly or indirectly do
                the following:

           1.   make, invest in, purchase, sell, refinance, extend, deal in
                (including loan brokering) or otherwise modify, or commit to
                make, invest in, purchase, sell, refinance, extend, deal in
                (including loan brokering) or otherwise modify any loan secured
                by real estate (including, but not limited to, Subprime Loans)
                or any participation therein or any real estate investment
                (including, but not limited to, any loan to finance the
                acquisition, development and/or construction of real property),
                or any set of such loans, participations, or investments. All
                marketing and advertising related to loans not permitted herein,
                including Subprime Loans, shall be immediately discontinued;

           2.   make, invest in, purchase, sell, refinance, extend, or otherwise
                modify, or commit to make, invest in, purchase, sell, refinance,
                extend, or otherwise modify any commercial loans, letters of
                credit, participations therein, or any set of such loans,
                letters of credit, or participations;

           3.   make, invest in, purchase, sell, refinance, extend, or otherwise
                modify, or commit to make, invest in, purchase, sell, refinance,
                extend, or otherwise modify any consumer or education loans;

           4.   release any borrower or guarantor from personal or corporate
                liability on any loan or extension of credit granted by the
                Institution, except when the outstanding balance of the loan and
                other outstanding loans to the borrower or guarantor have been
                paid in full;

           5.   sell, pledge, or exchange any loan secured by real estate, or
                participation therein, or real estate investment, security, or
                other asset, or any set of such loans, participations, real
                estate investments, or securities, or other assets except as may
                be required pursuant to legally binding commitments, existing,
                as of Friday, May 8, 2009;

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           6.   make, or commit to make, any investment in any service
                corporation, finance subsidiary, or operating subsidiary, or any
                subsidiary of a service corporation in real estate or equity
                securities;

           7.   enter into any joint venture or limited partnership agreement,
                directly or indirectly;

           8.   engage in any forward commitment, futures transaction, or
                financial options transaction;

           9.   enter into any contract or agreement for the purchase, sale, or
                lease of goods, materials, equipment, supplies, services or
                capital assets, except, however, that this restriction does not
                apply to contracts or agreements to be entered into in the
                ordinary course of business where the amount of each contract or
                agreement does not exceed $5,000;

           10.  enter into any lease or contract for the purchase or sale of
                real estate or of any interest therein without the prior written
                approval of the OTS;

           11.  encumber any of its property or other assets, except, however
                that the Institution may pledge its assets in connection with
                borrowings necessary to meet liquidity needs;

           12.  incur any material obligation or contingent liability, except as
                otherwise permitted by this PCA Directive;

           13.  establish any loan production or agency office; or

           14.  accept any non-cash capital contribution.

      C.   Permitted Activities. The Institution is permitted to engage in the
           --------------------
           following lending (including origination) and investment activities,
           provided that (i) such activities do not cause the Institution to
           increase its level of total assets to an amount that would violate
           Section 2.3 hereof, and/or its capital restoration plan, and (ii) the
           Institution engages in such activities in a prudent manner:

           1.   Qualifying Mortgage Loans. Origination of Qualifying Mortgage
                -------------------------
                Loans, as defined in 12 C.F.R. ss. 567.1, underwritten in
                accordance with criteria established for residential loans
                eligible for purchase by the Federal Home Loan Mortgage
                Corporation or the Federal National Mortgage Association, but
                excluding any Subprime Lending programs;

           2.   Savings Account Loans: Loans fully secured by savings or time
                ---------------------
                deposit accounts over which the Institution establishes proper
                collateral controls; and

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           3.   Guaranteed Loans: Advancement of funds evidenced by notes
                ----------------
                guaranteed by state or Federal Government guarantees.

ADDITIONAL OPERATING RESTRICTIONS
---------------------------------

Section 2.5    Other Restrictions Imposed Pursuant to 12 U.S.C. ss. 1831o(f)(5).
               ----------------------------------------------------------------

         Pursuant to 12 U.S.C. ss. 1831o(f)(5), and based upon a determination
by the OTS that the imposition of certain restrictions described in 12 U.S.C.
ss. 1831o(i), is necessary to carry out the purposes of Section 38 of FDIA, the
Institution is hereby prohibited from doing any of the following without the
OTS's prior written consent:

      A.   Entering into any material transaction other than in the usual course
           of business, including any investment, expansion, acquisition, sale
           of assets, or other similar action with respect to which the
           Institution is required to provide prior notice to the OTS;

      B.   Extending credit for any highly leveraged transaction;

      C.   Amending the Institution's charter or bylaws, except to the extent
           necessary to carry out any other requirement of any law, regulation,
           or order;

      D.   Making any material change in accounting methods;

      E.   Engaging in any covered transaction (as defined in 12 U.S.C. ss.
           371c(b)(7));

      F.   Paying excessive compensation or bonuses; and

      G.   Paying interest on new or renewed liabilities at a rate that would
           increase the Institution's weighted average cost of funds to a level
           significantly exceeding the prevailing rates of interest on insured
           deposits in the Institution's normal market areas.

Section 2.6       Restrictions on Affiliate Transactions as Insiders Loans.
                  --------------------------------------------------------

      A.   The Institution shall not engage in any "covered transactions" as
           defined in 12 U.S.C. ss. 371c(b)(7). The OTS is imposing this
           restriction, pursuant to 12 U.S.C. ss.ss. 1831o(f)(5) and (i)(2)(E),
           based upon the OTS's determination that the restriction is necessary
           to carry out the purpose of 12 U.S.C. ss. 1831o.

      B.   The assets, facilities and staff of the Institution shall only be
           used for the benefit of the Institution and shall not be shared or
           otherwise used, directly or indirectly, for the benefit of any
           affiliate or other company. The OTS is imposing this restriction
           pursuant to the authority at 12 U.S.C. ss. 1831o(f)(2)(B).

      C.   The Institution shall not extend any credit to executive officers,
           directors and principal shareholders. The OTS directs this action
           pursuant to 12 U.S.C. ss. 1831o(f)(2)(J) and based upon a
           determination by the OTS that such action will better carry out the
           purposes of 12 U.S.C. ss. 1831o.

<PAGE>

Prompt Corrective Action Directive (05/22/2009)
Greater Atlantic B, Reston, VA OTS No. 08491
Page 12

CORRESPONDENT BANKING
---------------------

Section 2.7       Limits On Deposits From Correspondent Banks.
                  -------------------------------------------

         Pursuant to 12 U.S.C. ss. 1831o(f)(2)(G), the Institution shall not
accept deposits, or renewals or roll-overs of prior deposits, from correspondent
depository institutions, without the OTS's prior written approval.

MANAGEMENT AND COMPENSATION
---------------------------

Section 2.8       Limits on Compensation and Benefits.
                  -----------------------------------

      Pursuant to 12 U.S.C. ss.ss. 1831o(f)(2)(J), (f)(4), and (f)(5), based
upon a determination by the OTS that the following restrictions will better
carry out the purpose of 12 U.S.C. ss. 1831o, the Institution is hereby
directed:

      A.   Not to provide any compensation or other direct or indirect benefits
           to directors (which shall include directors emeritus or honorary
           directors for purposes of this Section), officers or employees beyond
           those determined reasonable and prudent for a capital deficient
           institution. Such compensation for directors and other employees
           shall be in accordance with 12 C.F.R. ss. 563.161(b), Appendix A to
           12 C.F.R. Part 570, and current OTS guidance;

      B.   Not to enter into, modify, or renew any agreement or employment
           contract with or increase the compensation of or severance pay for
           any senior executive officer or director of the Institution without
           the OTS's prior written approval;

      C.   Not to incur any compensation or benefit expense for items or
           services that do not have an immediate, direct relationship to the
           performance of any individual's duties; except for expenses incurred
           for employee pension/profit sharing/retirement plans and health and
           medical plans in existence as of the effective date of this PCA
           Directive;

      D.   Not to make any "golden parachute payment" as that term is defined in
           12 U.S.C. ss. 1828(k) and 12 C.F.R. Part 359, except in accordance
           with that statute and regulation; and

      E.   Not to purchase any bank owned life insurance without the Regional
           Director's prior written approval.

The requirements of this Section 2.8 are imposed in addition to the mandatory
restrictions imposed in senior executive officers' compensation set forth in
this Section 2.1.

<PAGE>

Prompt Corrective Action Directive (05/22/2009)
Greater Atlantic B, Reston, VA OTS No. 08491
Page 13

          MANAGEMENT CHANGES
          ------------------

Section 2.9       Changes in Directorate or Management.
                  ------------------------------------

      Pursuant to 12 U.S.C. ss. 1831o(f)(2)(F), the Institution shall provide
the OTS at least 30 days prior written notice of the addition of any director or
senior executive officer, including a change in responsibilities in any existing
senior executive officer, pursuant to 12 U.S.C. ss. 1831i and 12 C.F.R. ss.
563.560.

THIRD PARTY CONTRACTS
---------------------

Section 2.10      Restrictions on Third Party Contracts.
                  -------------------------------------

      Pursuant to 12 U.S.C. ss. 1831o(f)(2)(E), in order to reduce excessive
risk posed to the Institution by certain third party contracts outside the
normal course of business, the Institution is hereby prohibited from entering
into any third party contracts, as set forth in Section 310 of the OTS
Examination Handbook, without the prior written approval of the OTS.

RELIEF FROM RESTRICTIONS
------------------------

Section 2.11      Process for Exemptions from Restrictions.
                  ----------------------------------------

       A.   The Institution may submit written requests to the OTS, requesting
            the OTS to issue a notice of non-objection for the purpose of either
            relieving the Institution from certain restrictions hereunder, or
            requesting the OTS to provide notice of supervisory non-objection
            with respect to a particular specifically identified transaction,
            loan, or investment.

       B.   Requests for written notice of the OTS's non-objection pursuant to
            subsection (A) above must be accompanied by a resolution of the
            Board, signed by each individual member of the Board voting in favor
            of the resolution. All documentation considered by the Board in
            adopting each such resolution shall be explicitly referenced in the
            minutes of the meeting at which the resolution was adopted and shall
            be made available to the OTS representatives upon request.

PART III - GENERAL PROVISIONS

Section 3.1       Jurisdiction.
                  ------------

     This PCA Directive constitutes a final order under 12 U.S.C. ss. 1831o and
 is enforceable under 12 U.S.C. ss. 1818(i).

<PAGE>

Prompt Corrective Action Directive (05/22/2009)
Greater Atlantic B, Reston, VA OTS No. 08491
Page 14

Section 3.2       Definitions.
                  -----------

     A.  All technical words or terms used in this PCA Directive, for which
         meanings are not specified or otherwise provided by the provisions of
         this PCA Directive, shall, insofar as applicable, have meanings as
         defined in Chapter V of Title 12 of the Code of Federal Regulations,
         HOLA, FDIA, OTS Bulletins, or OTS Examination Handbook. Any such
         technical words or terms used in this PCA Directive and undefined in
         Code of Federal Regulations, HOLA, FDIA, OTS Bulletins or OTS
         Examination Handbook shall have meanings that are in accordance with
         the best custom and usage in the savings and loan industry.

     B.  The term "Effective Date" has the meaning set forth in Section 3.11 of
         this PCA Directive.

Section 3.3       Successor Statutes, Regulations, Guidance Amendments.
                  ----------------------------------------------------

     Reference in this PCA Directive to provisions of statutes and regulations
shall be deemed to include references to all amendments to such provisions as
have been made as of the effective date hereof and references to successor
provisions as they become applicable.

Section 3.4       Notices.
                  -------

      Except as otherwise provided herein, any request, demand, authorization,
direction, notice, consent, waiver or other document provided or permitted by
the PCA Directive to be made upon, given or furnished to, delivered to, or filed
with the OTS or the Institution shall be in writing and sent by first class U.S.
mail (or by reputable overnight courier, electronic facsimile transmission, or
hand delivery via messenger) addressed as follows:

         OTS:              Southeast Region
                           1475 Peachtree Street, NE
                           Atlanta, Georgia 30309
                           Attn: Arthur W. Goodhand, Acting Regional Director

     Institution:          Greater Atlantic Bank
                           10700 Parkridge Boulevard, Ste. P50
                           Reston, Virginia 20191
                           Attn.: Board of Directors
                           c/o Carroll Amos, President and CEO

Section 3.5       Duration, Termination or Suspension of the PCA Directive.
                  --------------------------------------------------------

     A.  The terms and provisions of this PCA Directive shall be binding upon
         the Institution and its successors in interest.

     B.  The PCA Directive shall remain in effect until terminated, modified
         or suspended in writing by the OTS.

<PAGE>

Prompt Corrective Action Directive (05/22/2009)
Greater Atlantic B, Reston, VA OTS No. 08491
Page 15

     C.  The OTS, in its discretion, may, by written notice, suspend any or
         all provisions of the PCA Directive, except for Section 2.1
         (Mandatory Restrictions).

Section 3.6       Effect of Headings.
                  ------------------

     The Part and Section headings herein are for convenience only and shall not
affect the construction hereof.

Section 3.7       Separability Clause.
                  -------------------

     In case any provision in this PCA Directive is ruled to be invalid, illegal
or unenforceable by the decision of any court of competent jurisdiction, the
validity, legality and enforceability of the remaining provisions hereof shall
not in any way be affected or impaired thereby unless the OTS, in its sole
discretion, determines otherwise.

Section 3.8       No Violations Authorized; Consequences of PCA Directive.
                  -------------------------------------------------------

     A.   Nothing in this PCA Directive, including, without limitation, any of
          the timeframes for actions set forth in Part I, shall be construed as:
          (i) allowing the Institution to violate any law, rule, regulation, or
          policy statement to which it is subject or (ii) restricting the OTS
          from taking such actions as are appropriate in fulfilling the
          responsibilities placed upon it by law, including, without limitation,
          actions pursuant to 12 U.S.C. ss. 1831o, or taking any other type of
          supervisory, enforcement, or resolution action that the OTS determines
          to be appropriate.

     B.   The OTS's conditional approval of the Capital Plan does not (i)
          constitute approval of contemplated actions or transactions for which
          a separate application, filing or notification is required prior to
          engaging in an activity contemplated by the Capital Plan; (ii) prevent
          the revocation of conditional approval of the Capital Plan upon the
          discovery of other or additional facts that the OTS determines
          warrants such action, including, but not limited to, any material
          adverse findings disclosed in any examination of the institution or
          any material change in the assumptions underlying the Capital Plan;
          (iii) indicate adoption of the institution's assumptions or
          predictions underlying or set forth in the Capital Plan, nor do such
          assumptions or predictions bind the OTS; or (iv) prohibit the OTS from
          requiring modifications and/or amendments of the Capital Plan as the
          OTS determines necessary.

Section 3.9       Other Enforcement Documents.
                  ---------------------------

       A.  The Order to Cease and Desist and its accompanying Stipulation and
           Consent to the issuance by the OTS issued against the Institution on
           April 25, 2008 (Order to Cease and Desist), remains in effect.

<PAGE>

Prompt Corrective Action Directive (05/22/2009)
Greater Atlantic B, Reston, VA OTS No. 08491
Page 16

       B.  Nothing contained in this PCA Directive shall affect or limit the
           OTS's ability to take enforcement action in connection with any
           violation of the Order to Cease and Desist.

Section 3.10      Incorporation of Stipulation
                  ----------------------------

      The Stipulation is made a part hereof and is incorporated herein by this
reference.

Section 3.11      Effective Date of This PCA Directive.
                  ------------------------------------

      This PCA Directive (including all the requirements and limitations herein)
is effective immediately on the date of issuance of the PCA Directive (Effective
Date), which is the date indicated below.

     IT IS SO ORDERED.

                                        OFFICE OF THRIFT SUPERVISION

                                        By: /s/ Arthur W. Goodhand
                                            ------------------------------------
                                            Arthur W. Goodhand
                                            Acting Southeast Regional Director

                                        Date:  See Effective Date on Page 1<PAGE>

                                                                    EXHIBIT 10.3

                    [OFFICE OF THRIFT SUPERVISION LETTERHEAD]

VIA FIRST CLASS MAIL AND
FACSIMILE 703.391.1506

                                                                    May 22, 2009

OTS Docket No. 08491

Board of Directors
c/o Carroll Amos, President and CEO
Greater Atlantic Bank
10700 Parkridge Boulevard, Ste. P50
Reston, Virginia 20191

Re:      Prompt Corrective Action Directive Modification

Dear Board Members:

         The Board of Directors (Board) of Greater Atlantic Bank, Reston,
Virginia, OTS No. 08491 (Greater Atlantic or Bank) entered into a Prompt
Corrective Directive with the Office of Thrift Supervision (OTS) effective
today, May 22, 2009, OTS Order No. SE-09-028 (Directive). Section 1.1 of the
Directive requires Greater Atlantic to be recapitalized by merger, acquisition,
or sale within ten (10) days. Section 1.1 further requires the Bank to enter
into a binding merger or acquisition agreement within five (5) days. Section 1.2
of the Directive requires Greater Atlantic to achieve and maintain specified
capital levels within ten (10) days.

         I am writing today to notify the Board that effective immediately,
pursuant to Section 3.5.B of the Directive, the Directive is hereby modified to
extend the Section 1.1 five (5) day time frame for obtaining a binding merger or
acquisition agreement to Monday, June 15, 2009. The Directive is further
modified to extend the ten (10) day recapitalization deadlines in Sections 1.1
and 1.2 to Friday, July 31, 2009.

<PAGE>

Board of Directors
Greater Atlantic B, Reston, VA, OTS No. 08491
May 22, 2009
Page 2

         If you have questions regarding this letter or these modifications,
please contact Regional Counsel Karen Bruton at 404.888.8565, Assistant Regional
Director Robert A. Mitchell at 404.888.8478, Review Examiner Wendell C. Walker
at 404.888.5312.

                                             Sincerely,

                                             /s/ Arthur W. Goodhand

                                             Arthur W. Goodhand
                                             Acting Regional Director

cc:   Mark S. Schmidt, Regional Director
      Federal Deposit Insurance Corporation
      10 Tenth Street, NE, Suite 800
      Atlanta, Georgia 30309-3906

      George W. Murphy, Esq.
      Kilpatrick Stockton LLP
      Via Facsimile 202.204.5617

<PAGE>

Board of Directors
Greater Atlantic B, Reston, VA, OTS No. 08491
May 22, 2009
Page 3

GREATER ATLANTIC BANK
RESTON, VIRGINIA
OTS NO. 08491

05.22.09 PCA DIRECTIVE MODIFICATION LETTER

bcc:     General File #08491
         Permanent File #08491
         A. Goodhand
         R. Mitchell
         W. Walker
         K. Bruton/Legal Department Institution File C. Gilliam-Myree/Copy to
         PCA Originals File

OTS Washington
--------------

ecc:     Lori Quigley, Managing Director Examinations and Supervision Operations
         Aaron Kahn, Senior Counsel Business Transactions
         W. Walker
         Enforcement Orders

OTS Atlanta
-----------

         C. Gilliam-Myree/SCANNED AND UPLOADED TO ECEF

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