First Community Bancshares doesn't play second fiddle to other area banks. The firm is the holding company for First Community Bank, which serves communities in Virginia, West Virginia, the Carolinas, and Tennessee. Through some 60 branches, the bank provides traditional services such as checking and savings accounts, CDs, and credit cards. The bank is mainly a real estate lender, with residential loans and mortgages accounting for about half of its portfolio and commercial loans accounting for most of the remainder. With some $860 million of assets under management, it also provides wealth management services through its trust and financial services division and its Investment Planning Consultants subsidiary.