C&F Bank Names Gail Letts Richmond Regional President

            C&F Bank Names Gail Letts Richmond Regional President

Letts, formerly of SunTrust Bank, will be a key player in C&F's growth in
Central Virginia

PR Newswire

RICHMOND, Va., April 15, 2013

RICHMOND, Va., April 15, 2013 /PRNewswire/ --C&F Financial Corporation
(NASDAQ: CFFI), the one-bank holding company for C&F Bank announced today that
Gail Letts has been named C&F Bank's new Richmond Regional President, putting
her at the helm of the Bank's commercial and small business operations. Her
responsibilities in this role are to create a high-performing team in order to
grow the Bank's commercial and small business portfolio and to support the
performance of the Bank's retail branches.

Letts makes the transition to C&F Bank after 30 years with SunTrust Bank,
where she most recently held the position of President and Chief Executive
Officer of the Central Virginia Region. Her leadership and strategic planning
experience will enable her to increase client acquisition, customer
satisfaction, and community leadership for C&F Bank.

"The powerful history, reputation, and mission of C&F Bank is what initially
caught my eye when I began considering new opportunities but it was really the
C&F brand I personally experienced as a whole that ended up sealing the deal,"
says Letts, who starts at the Bank on Monday, April 15^th. "The C&F brand is
built upon the notion of 'Focused on You'; for me, that means true servant
leadership to the community and having a long-standing commitment to the
markets we serve. Richmond is my home, it's where I want to lead, and this is
the kind of company of which I want to be a part."

Letts represents an extensive and highly successful background in the
financial services industry, as well receiving awards and honors, including
being named to Style Weekly's "2012 Power List" and "Top 50 Most Powerful &
Influential Women in Richmond 2011." She has served on numerous boards and
committees in Richmond, including United Way of Greater Richmond, VCU School
of Business Foundation, VSU University School of Business, Richmond's Future,
and Venture Richmond.

"My objective is to lead a team that not only gives great community bank
service but goes the extra mile: we will provide leadership and stewardship to
the citizens and businesses of the Richmond Metropolitan Area in order to make
this a better place to live and work," says Letts.

C&F Bank currently offers eighteen full-service retail bank branches
throughout eastern Virginia, including seven in the Richmond Metropolitan
area. Combined with its subsidiaries, C&F Mortgage Corporation and C&F
Finance Company, the bank employs over 200 teammates in this market.

C&F Bank was founded in 1927 in West Point, Virginia and has always been known
for its strong internal leadership structure, resulting in the bank's
long-term success and stability. With only three Presidents in the bank's
86-year history, C&F has cultivated a business model that has consistently led
to record earnings, expansion, and honors. This includes being named one of
Forbes.com's "top banks of the decade" in 2012.

"We are very pleased to welcome Gail as a part of the C&F Bank team; her
vision of improving our communities through personal involvement is well
aligned with our bank's history. She also believes in our philosophy of
accommodating customers for the purpose of helping them achieve their
financial goals. Our bank is here to serve three primary constituencies – our
customers and their communities, our teammates, and our stockholders," says
Larry Dillon, C&F Bank President and Chief Executive Officer. "While it is not
our goal to be the largest bank in the Richmond market we are interested in
expanding our presence, especially in the commercial lending area."

Dillon concluded, "We want to be known as one of the best banks in the markets
we serve, an objective that we are certain Gail can help us achieve. She
brings a wealth of knowledge that will benefit so many areas of our company
and I am extremely confident that Gail's knowledge of the Richmond market will
greatly enhance our presence and ability to serve that market."

About Citizens and Farmers Bank
C&F Bank operates 18 retail bank branches located throughout the Hampton to
Richmond corridor in Virginia and offers full investment services through its
subsidiary C&F Investment Services, Inc. C&F Mortgage Corporation provides
mortgage, title and appraisal services through 18 offices located in Virginia,
Maryland, North Carolina, Delaware and New Jersey. C&F Finance Company
provides automobile loans in Virginia, Tennessee, Maryland, North Carolina,
Georgia, Ohio, Kentucky, Indiana, Alabama, Missouri, Illinois, Texas and West
Virginia through its offices in Richmond and Hampton, Virginia, in Nashville,
Tennessee and in Hunt Valley, Maryland. For more information about C&F Bank,
visit www.cffc.com.

SOURCE Citizens and Farmers Bank

Website: http://www.cffc.com
Contact: Tom Cherry, Chief Financial Officer, C&F Bank, 757 741-2214
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