Understanding Your Credit Score

Your credit score is an important component of your financial health. Your credit score (also called a FICO score) is a number calculated based on your credit history. Lenders use your credit score to evaluate your creditworthiness. In other words, lenders use your credit score to determine the probability that you will repay your loan… Read more »





Letters From Leton: Those Aha Moments!

We have all had those moments. You know those “aha moments” when the clouds part and we understand. Maybe one of your aha moments was in school as a teacher was explaining an algebra word problem. Perhaps it was when you were watching that mystery movie and the detective explains who did it (a great new… Read more »



Letters From Leton: Grape Nehi!

Long summer nights sitting on the porch gives one time to think and reminisce. As the lightening bugs emerge for their nightly dance, the mind returns to a time of tag, hide and seek, croquet with family and friends and the second most important Holiday to a kid (sorry Easter and Thanksgiving, even Halloween), Fourth of… Read more »



Leton Harding picture

Virginia Bankers Association Elects Leton L. Harding, Jr. as Chairman-Elect to Board

Jonesville, VA—The Virginia Bankers Association (VBA) announced the election of new officers for its 2020-2021 board of directors during their Virtual Annual Meeting today.  Powell Valley National Bank (PVNB) is honored to announce that Leton L. Harding, Jr. has been elected to serve as Chairman-Elect on the Virginia Bankers Association’s board of directors. Harding will… Read more »



Letters From Leton: Blood Brothers

Lately there has been much on my mind. For a person who has been kindly described by my wife as having an “active mind” (interpretation – shut it down for a while), the events of this year have me in mental overdrive. So, it was with pleasure that this past Saturday I hopped on my riding… Read more »



Letters From Leton: So Sue Me!

While it is good to get excited about big things (birthdays, weddings, grandkids), I also find that it is the unexpected that often brings me great joy. Let me add that sometimes the unexpected  – when you take a few minutes and think about it – really shouldn’t be unexpected. The world has been turned… Read more »



Letters From Leton: Pass It On

Have you ever been the beneficiary of a stranger’s gift? Perhaps you have made your way to the drive-thru window to pick up your sausage biscuit and learned that the person ahead of you has paid for your order! Each summer, the deacons in our church go to a local gas station just off of US-23,… Read more »



Letters From Leton: Fix and Go

Over the years, I have often used regular Appalachian words or phrases that, shall I say, surprise some folks. I can recall using the word “diddle” (Appalachian for “a small chick”) at a Bankers Meeting in Richmond. As I saw the blank stares, I explained the word to a group who, beyond not knowing what… Read more »