Counterfeit Cashier’s Checks of First National Bank, Christiansburg, VA

Subject: Counterfeit Cashier's Checks Description: First National Bank Date:October 9,2007 TO:Chief Executive Officers of All National Banks; All State Banking Authorities; Chairman, Board of Governors of the Federal Reserve System; Chairman, Federal Deposit Insurance Corporation; Director, Office of Thrift Supervision; Conference of State Bank Supervisors; Deputy Comptrollers (districts); Assistant Deputy Comptrollers; District Counsel; and All Examining PersonnelRE: Counterfeit Cashier's Checks of First National Bank, Christiansburg, VA

The above-named bank has reported that counterfeit cashier's checks drawn on the bank and displaying a correct routing number of 051402220 are being presented for payment nationwide in connection with a variety of Internet purchase scams.

The counterfeit checks resemble authentic items with the exception of being white in color with a blue border and black printing.

Items presented to date have been made payable in varying amounts up to $21,800, have included unfixed date formats (MM/DD/YYYY, MM-DD-YYYY, or left blank), and display a 6-digit serial number beginning with the series of 209. Items have been received by potential victims via Federal Express and UPS.

Due to possible variations in appearance of the counterfeit items, it is suggested that officials of First National Bank be contacted to verify authenticity of similar checks, if received from an unknown or questionable source.

For additional information and guidance or to verify the authenticity of First National Bank's cashier's checks, please contact Jo Lynn Price, Security Officer, 105 Arbor Drive, PO Box 600, Christiansburg, VA 24073, by telephone at (540) 381-6750, by fax at (540) 382-0457, or via e-mail at [jprice@fnbonline.com].

Consumers who receive a counterfeit item and associated material should file complaints with the following agencies, as appropriate:

· Federal Trade Commission (FTC): by telephone at 1-877-FTC-HELP or, for filing a complaint electronically, via the FTC's Internet site at www.ftc.gov

· Federal Bureau of Investigation (FBI) Internet Fraud Complaint Center (Scams that may have originated via the Internet): www.ic3.gov

· If correspondence is received via the U.S. Postal Service, contact the U.S. Postal Inspector Service by telephone at 1-888-877-7644, by mail at U.S. Postal Inspection Service, Office of Inspector General, Operations Support Group, 222 S. Riverside Plaza, Suite 1250, Chicago, IL 60606-6100 or via e-mail at http://www.usps.com/postalinspectors/fraud/MailFraudComplaint.htm

Additional information concerning this matter that you believe should be brought to the attention of the OCC may be forwarded to:

E-mail: occalertresponses@occ.treas.gov Mail: Office of the Comptroller of the Currency
Special Supervision Division, MS 6-4
250 E Street, SW, Washington, DC 20219 Fax: (202) 874-5214 Internet: http://www.occ.treas.gov

For additional information regarding other types of financial fraud, please visit the OCC's anti-fraud resource at: http://www.occ.treas.gov/fraudresources.htm.

/signed/

Richard C. Stearns
Director for Enforcement & Compliance