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Ticker:GAFC
Company Name: Greater Atlantic Financial Corporation

Business Overview from 10-K filing for Greater Atlantic Financial Corporation:

We are a savings and loan holding company which was organized in June 1997. We conduct substantially all of our business through our wholly-owned subsidiary, Greater Atlantic Bank ("Bank"), a federally-chartered savings bank, and its wholly-owned subsidiary, Greater Atlantic Mortgage Corporation ("Greater Atlantic Mortgage"). We offer traditional banking services to customers through our bank branches located throughout the greater Washington, DC/Baltimore metropolitan area. We also originate mortgage loans for sale in the secondary market through Greater Atlantic Mortgage. We established the Greater Atlantic Capital Trust I ("Trust") in January 2002 to issue certain convertible preferred securities which we completed in March 2002. MARKET AREA AND COMPETITION We operate in a competitive environment, competing for deposits and loans with other thrifts, commercial banks and other financial entities.     

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