J. Todd Scruggs

As Chief Financial Officer for Bank of the James, Mr. Scruggs is responsible for preparing and reviewing financial information, investments, asset/liability management and regulatory matters. He is a co-organizer of the bank and has served as its Chief Financial Officer since its formation in 1999. Prior to joining Bank of the James, Mr. Scruggs was a Financial Consultant and an Investment Representative for Crestar Securities Corp. Mr. Scruggs holds a Bachelor of Science degree in Commerce from the University of Virginia McIntire School of Commerce and is a graduate of the University of South Carolina School of Graduate Bank Investment Management. He serves as Secretary for both Bank of the James Financial Group, Inc. and Bank of the James. He currently serves on the finance committee of Interfaith Outreach Association, the board of Boonsboro Country Club, the board of the E.C. Glass Foundation, and the loan committee of the Ways to Work Program at Humankind.