BSJ BancShares, Inc. and Cross Keys Bank 2013 Annual Report

Dear Customers and Shareholders:

BSJ Bancshares, Inc., the parent company of Cross Keys Bank, ended 2013 with total assets of $304,407,165 and earnings of $4,077,312, which is the equivalent of $11.88 per share. The past year was BSJ Bancshares’ first as a Sub-chapter S Corporation for income tax purposes, and we continue to believe this move will add value to your investment in the company. You will notice in our Comparative Statement of Earnings that no income tax expense is reported in 2013, as this conversion has removed corporate income tax expense at the company level. These funds, which were once paid to the U S Treasury, can now be passed along to our shareholders in the form of distributions or as additions to our capital position. To our stockholders, we would like to remind you that it is in your best interest choose Cross Keys Bank for all of your banking needs, whether as a depositor or as a borrower, or both! This is made possible with state of the art technology that allows you quick and easy access to your accounts. We have a top- notch lending team that actively seeks loans to financially sound

borrowers, and we are eager to provide agricultural and small business financing. Our Mortgage Department is capable of providing residential property financing just about anywhere. Also, don’t forget that we have, for your convenience, Cross Keys Insurance Agency and a Financial Consultant at Cross Keys Investment Services who is a registered representative of Invest Financial Corporation, member FINRA/SIPC. So you see, there is really no reason why you shouldn’t do all of your banking with your bank! As has always been the case, our management team and Board of Directors remain committed to safeguarding your investment. On behalf of our employees and the Board of Directors, we wish

you, your family and friends a healthy and prosperous 2014.

Sincerely,

BenWatson President /CEO BSJ Bancshares, Inc. Michael R.Vizard President/CEO Cross Keys Bank

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