HomeTown Bankshares Corporation is a bank holding company. The Company's business is conducted through its subsidiary, HomeTown Bank (the Bank). The Bank is engaged in general retail and commercial banking business. The Bank offers a range of banking services to small and medium-size businesses, real estate investors and developers, private investors, professionals and individuals. Its services include safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, overdraft protection, check cards, credit cards and merchant card services. The Bank offers a range of short-to-medium term commercial and personal loans. Its investment portfolio includes the United States Government agency securities, mortgage-backed securities and municipal securities. The Bank's primary source of funds is deposit accounts. It operates over six full service branches, approximately seven automated teller machines and a mortgage office.