First Capital Bancorp, Inc. is a bank holding company that conducts the primary operations through its wholly owned subsidiary, First Capital Bank (the Bank). First Capital Bank operates seven full service branch offices. The bank engages in a general commercial banking business, with a particular focus on the needs of small and medium-sized businesses and their owners and key employees and the professional community. It offers a range of deposit services, including checking accounts, negotiable order of withdrawal (NOW) accounts, savings accounts and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. Other services it offers include safe deposit boxes, certain cash management services, traveler’s checks, direct deposit of payroll and social security checks and automatic drafts for various accounts, selected on-line banking services and a small and medium-sized businesses courier service.