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There's a lot more potential for growth at Virginia Beach before going to Chesapeake. No matter what the demographic studies say, when is the last time you heard someone say they moved from Norfolk to Chesapeake? It's always the Beach!
"No bad loans" means ... problems with counterfeit cash and money orders are minimal.
Hertiage trivia:Bobby Keogh thought Ocean View was such a great location he held the Annual Meeting there in 2000. Or maybe he didn't want anyone to attend ... who knows?