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First Community Bank, N. A. Announces Plans to Open New Branches

Company Release - 4/17/2003 09:03 PM ET

BLUEFIELD, Va.--(BUSINESS WIRE)--April 17, 2003--First Community Bank, N. A. officials recently announced plans to open two new full-service banking facilities in Winston-Salem, North Carolina. The bank, based in Bluefield, Virginia, operates 41 full-service banking locations in the three-state region of Virginia, West Virginia and North Carolina and plans to open the branches in mid-June.

First Community Bank is a community bank offering traditional banking services as well as trust and investment services through the Trust and Financial Services division and wealth management services thru its subsidiary, Stone Capital Management. The bank operates a wholly owned subsidiary, United First Mortgage, Inc., headquartered in Richmond, VA with 11 offices throughout Virginia. Recently, First Community announced the intent to acquire CommonWealth Bank also in Richmond adding 4 retail banking offices in Eastern Virginia.

John M. Mendez, President, First Community Bancshares, Inc., said, "Our company already has a presence in North Carolina with our existing branches and a number of strong commercial account relationships. The addition of the branches in Winston-Salem will allow us to provide better service to our existing customers and is a significant element of our company's strategic plan to add metro markets to the company's operations."

According to Mendez, the new branches will be located at 5610 University Parkway and 3001 Waughtown Street. The new branches will be full-service financial centers, with convenient banking hours offering loans, deposits, trust and brokerage services, insurance services, internet banking centers, safe deposit boxes, drive-thru service and ATMs.

Mendez said, "Currently plans are being finalized for the new locations. We are certain that First Community will carve out a variable niche in the competitive banking market in Winston-Salem."

First Community Bank, N. A. is operated by its parent company, First Community Bancshares, Inc., a $1.5 billion bank holding company in the three-state region of Virginia, West Virginia and North Carolina. First Community Bank, N. A. presently has 41 full-service branch offices, 2 trust and investment management offices, and 11 mortgage banking offices, which operate as United First Mortgage, Inc., headquartered in Richmond, Virginia, as well as Stone Capital Management, Inc., an investment advisory firm based in West Virginia. First Community Bancshares, Inc.'s common stock is traded on the NASDAQ National Market under the symbol "FCBC."

DISCLAIMER

This news release may include forward-looking statements. These forward-looking statements are based on current expectations that involve risks, uncertainties, and assumptions. Should one or more of these risks or uncertainties materialize, or should underlying assumptions prove incorrect, actual results may differ materially. These risks include: the timely development, production and acceptance of new products and services and their feature sets; the challenge of managing asset/liability levels; the management of credit risk and interest rate risk; the difficulty of keeping expense growth at modest levels while increasing revenues; and other risks detailed from time to time in the Company's Securities and Exchange Commission reports, including but not limited to the Annual Report on Form 10-K for the most recent year ended.

    CONTACT: First Community Bank, N. A., Bluefield
             Robert L. Schumacher, 276/326-9000

    SOURCE: First Community Bank, N. A.