| Letter from the President | 2 |
| CKB Travel Club Presents Normandy and Paris | 4 |
| Customer Spotlight: Dierdre McGehee | 5 |
| Dear Geek Girl: Tech Advice Column | 6 |
| Our Employees: Giving Thanks by Giving Back - | 8 |
| Cross Keys Bank Employee Day: October 13, 2013 | 9 |
| Do You Have An IRA In Your Financial Tool Kit? - | 10 |
| The Cinderella Project of Monroe - | 11 |
| BSJ Bancshares, Inc. & Cross Keys Bank2013 Annual Report | 15 |