Note 6.

Deposits

The Company has developed an interest bearing product that integrates the use of the cash within client accounts at Middleburg Trust Company for overnight funding at Middleburg Bank. The overall balance of this product was $35.2 million and $29 million at December 31, 2011 and 2010, respectively, and is partially reflected in the interest-bearing demand deposits and partially reflected in securities sold under agreements to repurchase amounts on the balance sheet.

The aggregate amount of jumbo time deposits, each with a minimum denomination of $100,000, was approximately $190,348,000 and $202,146,000 at December 31, 2011 and 2010, respectively.

At December 31, 2011, the scheduled maturities of time deposits (in thousands) are as follows:

2012	$	152,451
2013	95,498
2014	45,897
2015	10,328
2016	21,721
	$	325,895

At December 31, 2011 and 2010, overdraft demand deposits reclassified to loans totaled $315,000 and $273,000, respectively.

At December 31, 2011, one depositor, with $31.0 million, held approximately 3.3 percent of the total deposits at Middleburg Bank.

Middleburg Bank obtains certain deposits through the efforts of third-party brokers. At December 31, 2011 and 2010, brokered deposits totaled $96.9 million and $69.0 million, respectively, and were included in time deposits on the Company's financial statements.