PNBI / Pioneer Bankshares, Inc. - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

Pioneer Bankshares, Inc.
US ˙ OTCPK

Mga Batayang Estadistika
CIK 1113026
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Pioneer Bankshares, Inc.
SEC Filings (Chronological Order)
Halaman ini menyediakan daftar lengkap dan kronologis dari Pengajuan SEC, tidak termasuk pengajuan kepemilikan yang kami sediakan di tempat lain.
August 2, 2012 8-K

Other Events - FORM 8-K

FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 1, 2012 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or or

July 26, 2012 EX-99.1

PIONEER BANKSHARES, INC. ANNOUNCES 2012 – 2nd QUARTER EARNINGS

EX-99.1 2 d386518dex991.htm PIONEER BANKSHARES, INC. PRESS RELEASE Exhibit 99.1 PIONEER BANKSHARES, INC. ANNOUNCES 2012 – 2nd QUARTER EARNINGS FOR IMMEDIATE RELEASE: For Inquiries Contact: Thomas R. Rosazza, President/CEO (540) 778-2294 Stanley, VA, July 26, 2012 — Pioneer Bankshares, Inc., (OTC Bulletin Board: PNBI) parent company of Pioneer Bank, reported net earnings of $1.1 million for the six

July 26, 2012 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - FORM 8-K

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 26, 2012 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or org

July 24, 2012 8-K

Other Events - FORM 8-K

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 20, 2012 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of (Commission (I.R.S.

July 23, 2012 SC 13D/A

PNBI / Pioneer Bankshares, Inc. / Spurzem Richard T - SCHEDULE 13D AMENDMENT NO. 6 Activist Investment

Schedule 13D Amendment No. 6 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D/A Under the Securities Exchange Act of 1934 (Amendment No. 6)* PIONEER BANKSHARES, INC. (Name of Issuer) COMMON STOCK, $0.50 PAR VALUE (Title of Class of Securities) 723618104 (CUSIP Number) RICHARD T. SPURZEM, 810 CATALPA COURT CHARLOTTESVILLE, VIRGINIA 22903 (434) 923-8900 (Name, Add

July 6, 2012 SC 13D/A

PNBI / Pioneer Bankshares, Inc. / Spurzem Richard T - SCHEDULE 13D AMENDMENT NO. 5 Activist Investment

Schedule 13D Amendment No. 5 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D/A Under the Securities Exchange Act of 1934 (Amendment No. 5)* PIONEER BANKSHARES, INC. (Name of Issuer) COMMON STOCK, $0.50 PAR VALUE (Title of Class of Securities) 723618104 (CUSIP Number) RICHARD T. SPURZEM, 810 CATALPA COURT CHARLOTTESVILLE, VIRGINIA 22903 (434) 923-8900 (Name, Add

July 2, 2012 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant - FORM 8-K

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 28, 2012 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or org

July 2, 2012 EX-10.1

STOCK PURCHASE AGREEMENT

Stock Purchase Agreement 1 Exhibit 10.1 STOCK PURCHASE AGREEMENT THIS AGREEMENT is made and entered into in duplicate as of June 20,2012 by and between Pioneer Bankshares, Inc., a Virginia corporation (the “Company”), and Richard T. Spurzem (“Seller”). WITNESSETH: The Seller desires to sell, and the Company desires to purchase 90,220 shares of common stock of the Company (the “Offered Shares”) rep

July 2, 2012 EX-10.3

AGREEMENT

Loan Agreement Exhibit 10.3 AGREEMENT The parties hereto agree as follows: 1. Stephen Williams (“Williams”) agrees to loan to Pioneer Bankshares, Inc. (“Pioneer”), the sum of Two Million US. Dollars ($2,000,000.00). This loan shall bear interest at the rate of 4% per year. Pioneer agrees to pay all accrued interest (thereon either monthly, quarterly or annually as Williams may choose. In addition,

July 2, 2012 EX-10.2

STOCK PURCHASE AGREEMENT

Stock Purchase Agreement 2 Exhibit 10.2 STOCK PURCHASE AGREEMENT THIS AGREEMENT is made and entered into in duplicate as of June 20,2012 by and between Pioneer Bankshares, Inc., a Virginia corporation (the “Company”), and Sandbox, LLC (“Seller”). WITNESSETH: The Seller desires to sell, and the Company desires to purchase 400 shares of common stock of the Company (the “Offered Shares”) representing

June 21, 2012 SC 13D/A

PNBI / Pioneer Bankshares, Inc. / Spurzem Richard T - AMENDMENT #4 TO SCHEDULE 13-D Activist Investment

Amendment #4 to Schedule 13-D UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

May 18, 2012 8-K

Submission of Matters to a Vote of Security Holders - FORM 8-K

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 16, 2012 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of (Commission (I.R.S. E

May 14, 2012 10-Q

Quarterly Report - FORM 10-Q

Form 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2012 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 0-30541 PIONEER BANKSHARES, INC.

May 4, 2012 EX-99.1

PIONEER BANKSHARES, INC. ANNOUNCES 2012 - 1st QUARTER EARNINGS

press release Exhibit 99.1 PIONEER BANKSHARES, INC. ANNOUNCES 2012 - 1st QUARTER EARNINGS FOR IMMEDIATE RELEASE: For Inquiries Contact: Thomas R. Rosazza, President/CEO (540) 778-2294 Stanley, VA, May 4, 2012 — Pioneer Bankshares, Inc., (OTC Bulletin Board: PNBI.OB) parent company of Pioneer Bank, reported net earnings of $592,000 for the first quarter of 2012, as compared to $291,000 for the firs

May 4, 2012 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - FORM 8-K

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 4, 2012 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or organ

May 3, 2012 15-12G

- FORM 15

Form 15 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. Commission File Number: 0-30541 PIONEER BANKSHARES, INC. (Exact name of registrant as speci

May 3, 2012 8-K

Other Events - FORM 8-K

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 3, 2012 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or organ

April 12, 2012 DEF 14A

- DEFINITIVE PROXY STATEMENT

DEF 14A 1 d333152ddef14a.htm DEFINITIVE PROXY STATEMENT UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for U

March 29, 2012 10-K

Annual Report - FORM 10-K

Form 10-K Table of Contents United States Securities and Exchange Commission Washington, D.

March 29, 2012 EX-21

Pioneer Bank (Virginia chartered Bank)

EX-21 2 d300992dex21.htm LIST OF SUBSIDIARIES Exhibit 21 - List of Subsidiaries of the Registrant Pioneer Bank (Virginia chartered Bank) Pioneer Financial Services, LLC. (Virginia Limited Liability Company) Pioneer Special Assets, LLC. (Virginia Limited Liability Company)

November 14, 2011 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Form 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2011 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 0-30541 PIONEER BANKSHARES, INC.

August 12, 2011 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Form 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2011 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 0-30541 PIONEER BANKSHARES, INC.

May 23, 2011 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 18, 2011 PIONEER BANKSHARES,

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 18, 2011 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or orga

May 16, 2011 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Form 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2011 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 0-30541 PIONEER BANKSHARES, INC.

May 2, 2011 DEFR14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1) Filed by the Registrant x Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e

April 14, 2011 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

March 28, 2011 10-K

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-K

Form 10-K Table of Contents United States Securities and Exchange Commission Washington, D.

March 28, 2011 EX-21

Pioneer Bank (Virginia chartered Bank)

EX-21 2 dex21.htm LIST OF SUBSIDIARIES Exhibit 21 Exhibit 21 - List of Subsidiaries of the Registrant Pioneer Bank (Virginia chartered Bank) Pioneer Financial Services, LLC. (Virginia Limited Liability Company) Pioneer Special Assets, LLC. (Virginia Limited Liability Company)

February 28, 2011 EX-99.1

PIONEER BANKSHARES, INC. ANNOUNCES 2010 EARNINGS

Exhibit 99.1 PIONEER BANKSHARES, INC. ANNOUNCES 2010 EARNINGS FOR IMMEDIATE RELEASE: For Inquiries Contact: Thomas R. Rosazza, President/CEO (540) 778-2294 Stanley, VA, February 28, 2011 ? Pioneer Bankshares, Inc., (OTC Bulletin Board: PNBI.OB) parent company of Pioneer Bank, reported net earnings of $1.9 million for the year ending December 31, 2010, as compared to $1.2 million for 2009. This rep

February 28, 2011 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 28, 2011 PIONEER BANKSHA

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 28, 2011 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or

February 15, 2011 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 10, 2011 PIONEER BANKSHA

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 10, 2011 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or

January 21, 2011 CORRESP

January 20, 2011

Correspondence January 20, 2011 Via Edgar and E-mail United States Securities & Exchange Commission 100 F Street, N.

January 14, 2011 CORRESP

January 14, 2011

Correspondence January 14, 2011 Via Edgar and Facsimile United States Securities & Exchange Commission 100 F Street, N.

January 6, 2011 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 31, 2010 PIONEER BANKSHA

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 31, 2010 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or

December 22, 2010 CORRESP

December 22, 2010

Correspondence December 22, 2010 Via Edgar and Facsimile United States Securities & Exchange Commission 100 F Street, N.

December 8, 2010 CORRESP

December 8, 2010

December 8, 2010 Via Edgar and Facsimile United States Securities & Exchange Commission 100 F Street, N.

November 22, 2010 CORRESP

November 22, 2010

Correspondence November 22, 2010 Via Edgar and Facsimile United States Securities & Exchange Commission 100 F Street, N.

November 15, 2010 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Form 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2010 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 0-30541 PIONEER BANKSHARES, INC.

October 29, 2010 EX-99.1

PIONEER BANKSHARES, INC. ANNOUNCES 2010 – 3rd QUARTER EARNINGS

Exhibit 99.1 PIONEER BANKSHARES, INC. ANNOUNCES 2010 – 3rd QUARTER EARNINGS FOR IMMEDIATE RELEASE: For Inquiries Contact: Thomas R. Rosazza, President/CEO (540) 778-2294 Stanley, VA, October 29, 2010 — Pioneer Bankshares, Inc., (OTC Bulletin Board: PNBI.OB) parent company of Pioneer Bank, reported net earnings of $1.3 million for the period ending September 30, 2010, as compared to $935,000 for th

October 29, 2010 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 29, 2010 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or organizat

August 13, 2010 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Form 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2010 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 0-30541 PIONEER BANKSHARES, INC.

July 29, 2010 EX-99.1

PIONEER BANKSHARES, INC. ANNOUNCES 2010 – 2nd QUARTER EARNINGS

Exhibit 99.1 PIONEER BANKSHARES, INC. ANNOUNCES 2010 – 2nd QUARTER EARNINGS FOR IMMEDIATE RELEASE: For Inquiries Contact: Thomas R. Rosazza, President/CEO (540) 778-2294 Stanley, VA, July 29, 2010 — Pioneer Bankshares, Inc., (OTC Bulletin Board: PNBI.OB) parent company of Pioneer Bank, reported net earnings of $784,000 for the period ending June 30, 2010, as compared to $722,000 for the same perio

July 29, 2010 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2010 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or organization

May 18, 2010 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 12, 2010 PIONEER BANKSHARES,

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 12, 2010 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or orga

May 14, 2010 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Form 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2010 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 0-30541 PIONEER BANKSHARES, INC.

April 22, 2010 EX-99.1

PIONEER BANKSHARES, INC. ANNOUNCES 2010 - 1st QUARTER EARNINGS

Exhibit 99.1 PIONEER BANKSHARES, INC. ANNOUNCES 2010 - 1st QUARTER EARNINGS FOR IMMEDIATE RELEASE: For Inquiries Contact: Thomas R. Rosazza, President/CEO (540) 778-2294 Stanley, VA, April 22, 2010 ? Pioneer Bankshares, Inc., (OTC Bulletin Board: PNBI.OB) parent company of Pioneer Bank, reported net earnings of $371,000 for the first quarter of 2010, as compared to $417,000 for the first quarter o

April 22, 2010 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 22, 2010 PIONEER BANKSHARES

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 22, 2010 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or or

April 12, 2010 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Definitive Proxy Statement UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 29, 2010 10-K

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-K

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2009 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 0-30541 Pioneer Bankshares, Inc. (Exact name of regist

March 29, 2010 EX-21

Pioneer Bank (Virginia chartered Bank)

Exhibit 21 Exhibit 21 - List of Subsidiaries of the Registrant Pioneer Bank (Virginia chartered Bank) Pioneer Financial Services, LLC. (Virginia Limited Liability Company) Pioneer Special Assets, LLC. (Virginia Limited Liability Company)

November 13, 2009 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Form 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2009 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 0-30541 PIONEER BANKSHARES, INC.

November 4, 2009 EX-99.1

PIONEER BANKSHARES, INC. ANNOUNCES 2009 – 3rd QUARTER EARNINGS

Exhibit 99.1 PIONEER BANKSHARES, INC. ANNOUNCES 2009 – 3rd QUARTER EARNINGS FOR IMMEDIATE RELEASE: For Inquiries Contact: Thomas R. Rosazza, President/CEO (540) 778-2294 Stanley, VA, November 4, 2009 – Pioneer Bankshares, Inc., (OTC Bulletin Board: PNBI.OB) parent company of Pioneer Bank, reported net earnings of $935,000 as of September 30, 2009, as compared to $1.1 million for the same period la

November 4, 2009 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 4, 2009 PIONEER BANKSHAR

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 4, 2009 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or

August 14, 2009 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Form 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2009 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 0-30541 PIONEER BANKSHARES, INC.

July 30, 2009 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 30, 2009 PIONEER BANKSHARES,

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 30, 2009 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or org

July 30, 2009 EX-99.1

PIONEER BANKSHARES, INC. ANNOUNCES 2009 – 2nd QUARTER EARNINGS

Exhibit 99.1 PIONEER BANKSHARES, INC. ANNOUNCES 2009 – 2nd QUARTER EARNINGS FOR IMMEDIATE RELEASE: For Inquiries Contact: Thomas R. Rosazza, President/CEO (540) 778-2294 Stanley, VA, July 30, 2009 — Pioneer Bankshares, Inc., (OTC Bulletin Board: PNBI.OB) parent company of Pioneer Bank, reported net earnings of $722,000 as of June 30, 2009, as compared to $736,000 for the same period last year. Ear

May 15, 2009 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2009 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 0-30541 PIONEER BANKSHARES, INC.

April 23, 2009 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 23, 2009 PIONEER BANKSHARES

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 23, 2009 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or or

April 23, 2009 EX-99.1

PIONEER BANKSHARES, INC. ANNOUNCES 2009 - 1st QUARTER EARNINGS

Exhibit 99.1 PIONEER BANKSHARES, INC. ANNOUNCES 2009 - 1st QUARTER EARNINGS FOR IMMEDIATE RELEASE: For Inquiries Contact: Thomas R. Rosazza, President/CEO (540) 778-2294 Stanley, VA, April 23, 2009 — Pioneer Bankshares, Inc., (OTC Bulletin Board: PNBI.OB) parent company of Pioneer Bank, reported net earnings of $417,000 for the first quarter of 2009, as compared to $432,000 for the first quarter o

April 16, 2009 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))

March 27, 2009 EX-21

Pioneer Bank (Virginia chartered Bank)

Exhibit 21 Exhibit 21 - List of Subsidiaries of the Registrant Pioneer Bank (Virginia chartered Bank) Pioneer Financial Services, LLC. (Virginia Limited Liability Company) Pioneer Special Assets, LLC. (Virginia Limited Liability Company)

March 27, 2009 10-K

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-K

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2008 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 0-30541 Pioneer Bankshares, Inc. (Exact name of regist

November 13, 2008 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2008 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 0-30541 PIONEER BANKSHARES, INC.

October 27, 2008 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 27, 2008 PIONEER BANKSHAR

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 27, 2008 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or

October 27, 2008 EX-99.1

PIONEER BANKSHARES, INC. 2008 - 3rd QUARTER EARNINGS RELEASE

Exhibit 99.1 PIONEER BANKSHARES, INC. 2008 - 3rd QUARTER EARNINGS RELEASE FOR IMMEDIATE RELEASE: For Inquiries Contact: Thomas R. Rosazza, President/CEO (540) 778-2294 Stanley, VA, October 27, 2008 — Pioneer Bankshares, Inc., (OTC Bulletin Board: PNBI.OB), parent Company of Pioneer Bank, reported year-to-date net earnings of $1.1 million as of September 30, 2008 as compared to net earnings for the

August 13, 2008 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2008 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 0-30541 PIONEER BANKSHARES, INC.

July 21, 2008 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 21, 2008 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or organization

July 21, 2008 EX-99.1

PIONEER BANKSHARES, INC. ANNOUNCES 2nd QUARTER 2008 EARNINGS

Exhibit 99.1 PIONEER BANKSHARES, INC. ANNOUNCES 2nd QUARTER 2008 EARNINGS FOR IMMEDIATE RELEASE: For Inquiries Contact: Thomas R. Rosazza, President/CEO (540) 778-2294 Stanley, VA, July 21, 2008 — Pioneer Bankshares, Inc., (OTC Bulletin Board: PNBI.OB) parent Company of Pioneer Bank, reported year-to-date net earnings of $736,000 as of June 30, 2008 as compared to net earnings for the same period

May 14, 2008 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2008 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 0-30541 PIONEER BANKSHARES, INC.

April 24, 2008 8-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K/A Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 23, 2008 PIONEER BANKSHAR

Form 8-K Amendment UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

April 24, 2008 EX-99.1

PIONEER BANKSHARES, INC. ANNOUNCES 1st QUARTER 2008 EARNINGS

EXHIBIT 99.1 PIONEER BANKSHARES, INC. ANNOUNCES 1st QUARTER 2008 EARNINGS FOR IMMEDIATE RELEASE: For Inquiries Contact: Thomas R. Rosazza, President/CEO (540) 778-2294 Stanley, VA, April 24, 2008 — Pioneer Bankshares, Inc., (OTC Bulletin Board: PNBI.OB) parent company of Pioneer Bank, reported relatively stable net earnings of $432,000 for the first quarter of 2008, as compared to $434,000 for the

April 23, 2008 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 23, 2008 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or organizatio

April 23, 2008 EX-99.1

PIONEER BANKSHARES, INC. ANNOUNCES 1st Quarter 2008 EARNINGS

Exhibit 99.1 PIONEER BANKSHARES, INC. ANNOUNCES 1st Quarter 2008 EARNINGS FOR IMMEDIATE RELEASE: For Inquiries Contact: Thomas R. Rosazza, President/CEO (540) 778-2294 Stanley, VA, April 23, 2008 — Pioneer Bankshares, Inc., (OTC Bulletin Board: PNBI.OB) parent company of Pioneer Bank, reported relatively stable net earnings of $423,000 for the first quarter of 2008, as compared to $434,000 for the

April 10, 2008 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Definitive Proxy Statement OMB APPROVAL OMB Number: 3235-0059 Expires: January 31, 2008 Estimated average burden hours per response 14 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 27, 2008 10KSB

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-KSB ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2007 Commission file number: 0-30541 Pioneer Ban

10KSB 1 d10ksb.htm FORM 10-KSB Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-KSB ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2007 Commission file number: 0-30541 Pioneer Bankshares, Inc. (Name of small business issuer in its charter) Virginia 54-1278721 (State or other juri

March 27, 2008 EX-21

Pioneer Bank (Virginia chartered Bank)

EX-21 2 dex21.htm LIST OF SUBSIDIARIES Exhibit 21 Exhibit 21 - List of Subsidiaries of the Small Business Issuer Pioneer Bank (Virginia chartered Bank) Pioneer Financial Services, LLC. (Virginia Limited Liability Company) Pioneer Special Assets, LLC. (Virginia Limited Liability Company)

February 13, 2008 EX-99.1

February 11, 2008

EXHIBIT 99.1 February 11, 2008 Dear Fellow Shareholder: On behalf of the board of directors of Pioneer Bankshares, Inc. (“Pioneer”), I am writing to update you on your bank’s recent performance and on developments concerning Richard T. Spurzem and his disruptive efforts to sell your bank. 2007 was a very turbulent and rocky year for the banking sector with many banks experiencing significant losse

February 13, 2008 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 11, 2008 PIONEER BANKSHA

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 11, 2008 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or

February 8, 2008 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 8 2008 PIONEER BANKSHARE

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 8 2008 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or o

February 8, 2008 EX-99.1

PIONEER BANKSHARES, INC. ANNOUNCES 2007 YEAR-END EARNINGS

Exhibit 99.1 PIONEER BANKSHARES, INC. ANNOUNCES 2007 YEAR-END EARNINGS FOR IMMEDIATE RELEASE: For Inquiries Contact: Thomas R. Rosazza, President/CEO (540) 778-2294 Stanley, VA, February 8, 2008 — Pioneer Bankshares, Inc., (OTC Bulletin Board: PNBI.OB) parent company of Pioneer Bank, reported net earnings of $1.752 million for the year ended December 31, 2007, compared to $1.662 million for 2006.

January 30, 2008 SC 13D/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

Schedule 13D/A3 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D/A Under the Securities Exchange Act of 1934 (Amendment No. 3)* PIONEER BANKSHARES, INC. (Name of Issuer) COMMON STOCK, $0.50 PAR VALUE (Title of Class of Securities) 723618104 (CUSIP Number) RICHARD T. SPURZEM, P.O. DRAWER R CHARLOTTESVILLE, VIRGINIA 22903 (434) 923-8900 (Name, Address and Telephon

November 14, 2007 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For Quarterly Period Ended September 30, 2007 ? TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT Commission File No.

October 24, 2007 EX-99.1

PIONEER BANKSHARES, INC. ANNOUNCES THIRD QUARTER RESULTS

Exhibit 99.1 PIONEER BANKSHARES, INC. ANNOUNCES THIRD QUARTER RESULTS FOR IMMEDIATE RELEASE: For Inquiries Contact: Thomas R. Rosazza, President/CEO (540)-778-2294 Stanley, VA, October 24, 2007 ? Pioneer Bankshares, Inc., the parent company of Pioneer Bank, reported net earnings of $1.25 million for the nine months ended September 30, 2007 compared to $1.23 million for the same period in 2006. Ear

October 24, 2007 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 24, 2007 PIONEER BANKSHAR

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 24, 2007 PIONEER BANKSHARES, INCORPORATED (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorpora

August 14, 2007 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For Quarterly Period Ended June 30, 2007 ? TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT Commission File No.

July 27, 2007 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 26, 2007 PIONEER BANKSHARES,

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 26, 2007 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or org

July 27, 2007 EX-99.1

July 26, 2007

Pioneer Bankshares, Inc. Letter to Shareholders EXHIBIT 99.1 July 26, 2007 Dear Fellow Shareholder: On behalf of the board of directors of Pioneer Bankshares, Inc. (“Pioneer”), I am writing to discuss with you a matter that is very important to our stockholders as well as to our customers and the entire community. It is important that you hear this information directly from those of us here at Pio

July 18, 2007 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 18, 2007 PIONEER BANKSHARES,

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 18, 2007 PIONEER BANKSHARES, INCORPORATED (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporatio

July 18, 2007 EX-99.1

PIONEER BANKSHARES, INC. EARNINGS RELEASE

Press Release Exhibit 99.1 PIONEER BANKSHARES, INC. EARNINGS RELEASE Stanley, VA — Pioneer Bankshares, Inc., the parent company of Pioneer Bank, reported net earnings of $799,000 as of June 30, 2007 compared to $816,000 as of June 30, 2006. Earnings per share, as of June 30, 2007, were $0.79 compared to $0.81 for the same period last year. The slight decrease in earnings is primarily the result of

June 27, 2007 SC 13D/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

SC 13D/A 1 schedule13da2.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D/A Under the Securities Exchange Act of 1934 (Amendment No. 2)* PIONEER BANKSHARES, INC. (Name of Issuer) COMMON STOCK, $0.50 PAR VALUE (Title of Class of Securities) 723618104 (CUSIP Number) RICHARD T. SPURZEM, P.O. DRAWER R CHARLOTTESVILLE, VIRGINIA 22903 (434) 923-8900 (Name, Address

June 5, 2007 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 29, 2007 PIONEER BANKSHARES,

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 29, 2007 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or orga

May 25, 2007 SC 13D/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D/A Under the Securities Exchange Act of 1934 (Amendment No. 1)* PIONEER BANKSHARES, INC. (Name of Issuer) COMMON STOCK, $0.50 PAR VALUE (Title of Class of Securities) 723618104 (CUSIP Number) RICHARD T. SPURZEM, P.O. DRAWER R CHARLOTTESVILLE, VIRGINIA 22903 (434) 923-8900 (Name, Address and Telephone Number of Pers

May 17, 2007 SC 13D

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

Schedule 13D UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. )* PIONEER BANKSHARES, INC. (Name of Issuer) COMMON STOCK, $0.50 PAR VALUE (Title of Class of Securities) 723618104 (CUSIP Number) RICHARD T. SPURZEM, P.O. DRAWER R CHARLOTTESVILLE, VIRGINIA 22903 (434) 923-8900 (Name, Address and Telephone Numb

May 15, 2007 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For Quarterly Period Ended March 31, 2007 ? TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT Commission File No.

April 13, 2007 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Definitive Proxy Statement OMB APPROVAL OMB Number: 3235-0059 Expires: January 31, 2008 Estimated average burden hours per response 14 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 29, 2007 EX-21

List of Subsidiaries of the Small Business Issuer

Exhibit 21 List of Subsidiaries of the Small Business Issuer Pioneer Bank (Virginia chartered Bank) Pioneer Financial Services, LLC. (Virginia Limited Liability Company) Pioneer Special Assets, LLC. (Virginia Limited Liability Company)

March 29, 2007 10KSB

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-KSB ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2006 Commission file number: 0-30541 Pioneer Ban

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-KSB ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2006 Commission file number: 0-30541 Pioneer Bankshares, Inc. (Name of small business issuer in its charter) Virginia 54-1278721 (State or other jurisdiction of incorporation or or

February 26, 2007 EX-99.1

PIONEER BANKSHARES, INC. REPORTS RECORD EARNINGS

Press Release Exhibit 99.1 PIONEER BANKSHARES, INC. REPORTS RECORD EARNINGS Stanley, VA — Pioneer Bankshares, Inc., the parent company of Pioneer Bank, reported earnings growth of 13.45% for 2006. According to Company records, earnings for 2006 were the highest recorded in the history of the institution. The Company’s consolidated net income was $1.7 million for the year ending December 31, 2006,

February 26, 2007 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 26, 2007 PIONEER BANKSHA

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 26, 2007 PIONEER BANKSHARES, INCORPORATED (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorpor

November 13, 2006 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB

Form 10-QSB Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For Quarterly Period Ended September 30, 2006 ¨ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT Commission File No.

October 17, 2006 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 12, 2006 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation or organizat

October 17, 2006 EX-3.2

BYLAWS PIONEER BANKSHARES, INC. (as amended October 12, 2006) ARTICLE I STOCKHOLDERS MEETINGS

Exhibit 3.2 BYLAWS OF PIONEER BANKSHARES, INC. (as amended October 12, 2006) ARTICLE I STOCKHOLDERS MEETINGS The annual meeting of the stockholders of the corporation shall be held annually on a date to be fixed by the Board of Directors (beginning in 1985). If that day is a legal holiday, the annual meeting shall be held on the next succeeding day not a legal holiday. Notice of the annual meeting

August 11, 2006 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For Quarterly Period Ended June 30, 2006 ? TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT Commission File No.

May 15, 2006 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB

Form 10-QSB Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For Quarterly Period Ended March 31, 2006 ¨ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT Commission File No.

April 18, 2006 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

PIONEER BANKSHARES, INC. OMB APPROVAL OMB Number: 3235-0059 Expires: August 31, 2004 Estimated average burden hours per response 14.73 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ¨ Filed by a Party other than the Registrant ¨ Check the a

March 29, 2006 10KSB

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-KSB ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2005 Commission file number: 0-30541 Pioneer Ban

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-KSB ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2005 Commission file number: 0-30541 Pioneer Bankshares, Inc. (Name of small business issuer in its charter) Virginia 54-1278721 (State or other jurisdiction of incorporation or or

March 29, 2006 EX-21

Pioneer Bank (Virginia chartered Bank)

Exhibit 21 Exhibit 21 - List of Subsidiaries of the Small Business Issuer Pioneer Bank (Virginia chartered Bank) Pioneer Financial Services, LLC. (Virginia Limited Liability Company) Pioneer Special Assets, LLC. (Virginia Limited Liability Company)

November 10, 2005 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB

Form 10-QSB Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For Quarterly Period Ended September 30, 2005 ¨ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT Commission File No.

August 12, 2005 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For Quarterly Period Ended June 30, 2005 ? TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT Commission File No.

May 13, 2005 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB

For Quarterly Period Ended March 31, 2005 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For Quarterly Period Ended March 31, 2005 ¨ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT Commission File No.

May 12, 2005 CORRESP

2

May 12, 2005 (by Edgar) United States Securities and Exchange Commission Division of Corporation Finance Mail Stop 4561 Washington, D.

March 30, 2005 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Definitive Proxy Statement UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 30, 2005 EX-21

Pioneer Bank (Virginia chartered Bank)

Exhibit 21 Exhibit 21 - List of Subsidiaries of the Small Business Issuer Pioneer Bank (Virginia chartered Bank) Pioneer Financial Services, LLC. (Virginia Limited Liability Company) Pioneer Special Assets, LLC. (Virginia Limited Liability Company)

March 30, 2005 10KSB

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-KSB ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2004 Commission file number: 0-30541 Pioneer Ban

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-KSB ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2004 Commission file number: 0-30541 Pioneer Bankshares, Inc. (Name of Small Business Issuer in Its Charter) Virginia 54-1278721 (State or other jurisdiction of incorporation or or

March 7, 2005 EX-99.1

PIONEER BANKSHARES, INC. REPORTS RECORD EARNINGS

Press Release Exhibit 99.1 PIONEER BANKSHARES, INC. REPORTS RECORD EARNINGS Stanley, VA — Pioneer Bankshares, Inc., the parent company of Pioneer Bank, reported consolidated net income of $1.6 million for the year ending December 31, 2004. This represents an earnings increase of $248,000 or 18.87% over net income for the previous year. Diluted earnings per share for 2004 was $1.45 compared to $1.2

March 7, 2005 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 7, 2005 PIONEER BANKSHARES,

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 7, 2005 PIONEER BANKSHARES, INCORPORATED (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporatio

November 22, 2004 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 18, 2004 PIONEER BANKSHA

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 18, 2004 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia 0-30541 54-1278721 (State or other jurisdiction of incorporation )

November 12, 2004 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For Quarterly Period Ended September 30, 2004 ? TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT Commission File No.

August 16, 2004 10QSB

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB

For Quarterly Period Ended June 30, 2004 Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For Quarterly Period Ended June 30, 2004 ¨ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT Commission File No.

May 12, 2004 EX-3.2

BYLAWS OF PIONEER BANKSHARES, INC. ARTICLE I STOCKHOLDERS MEETINGS

Bylaws, as amended, of Pioneer Bankshares, Inc. Exhibit 3.2 BYLAWS OF PIONEER BANKSHARES, INC. ARTICLE I STOCKHOLDERS MEETINGS The annual meeting of the stockholders of the corporation shall be held annually on a date to be fixed by the Board of Directors (beginning in 1985). If that day is a legal holiday, the annual meeting shall be held on the next succeeding day not a legal holiday. Notice of

May 12, 2004 10QSB

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB

Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-QSB x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For Quarterly Period Ended March 31, 2004 ? TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT Commission File No.

April 12, 2004 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Definitive Proxy Statement UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 29, 2004 EX-21

List of Subsidiaries of the Small Business Issuer

Exhibit 21 List of Subsidiaries of the Small Business Issuer Pioneer Bank (incorporated in Virginia) Pioneer Financial Services, LLC. Pioneer Special Assets, LLC.

March 29, 2004 10KSB

Securities and Exchange Commission Washington, D.C. 20549 Form 10-KSB ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2003 Commission file number: 0-30541 Pioneer Bankshares,

Table of Contents Securities and Exchange Commission Washington, D.C. 20549 Form 10-KSB ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2003 Commission file number: 0-30541 Pioneer Bankshares, Inc. (Name of Small Business Issuer in Its Charter) Virginia 54-1278721 (State or other jurisdiction of incorporation or organizati

November 18, 2003 8-K

Current Report

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Act of 1934 Date of Report (Date of earliest event reported): November 13, 2003 PIONEER BANKSHARES, INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation or organization) 0-30541 (Commission File Number) 54-

November 18, 2003 EX-16.1

[Letterhead of S.B. Hoover & Company, L.L.P.]

[Letterhead of S.B. Hoover & Company, L.L.P.] Exhibit 16-1 November 17, 2003 Office of the Chief Accountant SECPS Letter File Securities and Exchange Commission Mail Stop 9-5 450 Fifth Street, N.W. Washington, D.C. 20549 Dear Sir/Madam: We have read paragraphs 2 and 3 of Item 4 included in the Form 8-K dated November 13, 2003 of Pioneer Bankshares, Inc. to be filed with the Securities and Exchange

April 10, 2003 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.__ )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) x Defin

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