Chesapeake Bank’s roots stretch deep into the sandy soil of Virginia’s Northern Neck and reach back to the dawn of the twentieth century. Originally charted as Lancaster National Bank on April 13, 1900, we’ve been focused on our community from the very beginning. The bank’s first clients were watermen, farmers and small business owners.
Our only branch was in Irvington, a secluded steamboat port off the Rappahannock River. Those were the days before bridges – much less highways – linked the Northern Neck to urban centers. The bank played an essential role in the local economy, and we knew it. So, when the Great Irvington Fire of 1917 destroyed our offices, we set up shop in a tent. In 1933, the region was not only rocked by the Great Depression, but also by the worst storm in years. It wiped out the remaining steamboat wharves and many businesses. But we survived and helped our community rebuild. We continued to demonstrate that same staying power through the years. And we grew along with the area as it emerged as a popular vacation and retirement location. We merged with Chesapeake Banking Co. of Lively in 1968 to become Chesapeake National Bank. Always responsive to local needs, we launched the nation’s first floating boat bank (to better serve the workers at the oyster packing plant in Irvington) and added the trust department two years later. We dropped the “National” from our name in 1994 and became Chesapeake Bank. Today we operate thirteen offices; four in the Northern Neck, three in the Middle Peninsula, five in Williamsburg and one in Richmond. And we’ve remained on the forefront of community banking while keeping our local flavor and commitment to personal, innovative service. 
If you owned a home in the late 1800s, you lived in mortal fear of fire. Without firetrucks or running water, a stray spark or lightning strike could destroy your home and bankrupt your family.
In 1896, the people of Irvington recognized that the devastating risk posed by fire didn’t have to be borne alone. A group of 37 homeowners banded together to form the Northern Neck Mutual Fire Association of Virginia. By pooling their resources, these original members gained the ability to rebuild a home leveled by fire. In the century that followed, membership in the Association expanded statewide, providing coverage for thousands of homes throughout the Commonwealth. In 1987, we changed our name to Northern Neck Insurance Company to reflect a growing list of insurance services. For all of our success, we’re still a small company by the standards of today’s insurance industry. We are Virginia-only by choice. So, when we say we are protecting our neighbors, friends and family – that’s exactly what we mean. We are still a mutual insurer, which means every policyholder is a part owner of the company. Instead of passing profits to shareholders, we invest them back into the company to create better products and keep premiums low for our members. |
First settled in the mid 1600s, Kilmarnock was originally known as “The Crossroads”. Kilmarnock probably had its beginnings at the intersection of Indian paths which later became the locations of Routes 3 and 200. It was in the early 1700’s that William Steptoe began to operate a storehouse and ordinary at the crossroads so that the crossroads came to be called “Steptoe’s Ordinary.” In 1764, Robert Gilmour, an agent for a mercantile firm based in Glasgow, Scotland, is thought to have been involved in giving the name of “Kilmarnock” to the crossroads location using the name of Kilmarnock, Scotland, where he apparently also owned land. The earliest known record referenced to “Kilmarnock, Virginia,” can be found in a deed recorded in 1778. It was incorporated as the “Town of Kilmarnock” by an act of the General Assembly in 1930.. 
On February 1, 2021, Virginia Commonwealth Bank changed its name to Blue Ridge Bank, N.A. and it is a combination of the two banks. The union of the two institutions results in a banking partner that maintains the dedication and service that you have come to know and expect along with the ability to enjoy additional products and services. Blue Ridge Bank has been serving its communities for generations. The bank was formed in 1893 and takes tremendous pride in its longevity, service and commitment to personal relationships. You are more than just a customer and that we are more than a place for loans and deposits. We are partners, and our obligation is to provide you with service that will continue to be unparalleled. |
You may have decided it is time to seek a more worry-free lifestyle but want to consider your options carefully before making a decision about moving. Here are some of the reasons why Rappahannock Westminster-Canterbury makes sense for you: Maintenance-free living: You leave chores such as cutting grass, painting the porch, or changing a light bulb to us. Your monthly fee covers all home repairs and services, inside and outside, leaving you free to spend your days the way you wish, or to travel extensively, knowing your home is secure and well cared for in your absence. Location: The rural 165-acre campus gets you away from the stress of city life while still being close enough to travel to places such as Richmond, the Tidewater region, and Washington, DC. History buffs, golfers, boating enthusiasts, and those who enjoy small-town charm and hours spent outdoors will find Virginia’s Northern Neck the ideal place to relax and pursue lifelong passions or explore new interests. Lifestyle: You will find yourself among friendly neighbors with similar interests. Of course, you will find plenty to do close to your new home, because RWC offers an extensive variety of campus activities almost every day. Continuing care: You have a wide range of choices for living, from apartments, cottages, and free-standing homes to suites and private rooms throughout the continuum of care. |
Since 1977, Rappahannock General Hospital has been bringing quality healthcare services to the Northern Neck and Middle Peninsula. We offer quality, state-of-the-art health care in a convenient, friendly setting, a fact that is proven time and time again by our high patient satisfaction scores. Today, RGH provides a wide array of inpatient services, including acute care and long-term care along with many outpatient programs such as oncology services, physical therapy and more. We also offer a dedicated 10 bed unit for acute psychiatric treatment and stabilization. RGH is recognized by The Joint Commission as having Primary Stroke Center Certification, which gives us the opportunity to highlight the exceptional stroke care we provide for our patients, and helps us improve care overall for our community. The hospital’s employees, physicians, and volunteers work together to fulfill our mission of providing excellence in the delivery of health care. |
"The little Grocery that could". Since 1975 Tri-Star has provided the Northern Neck with great service and fair prices. Customer loyalty is our greatest asset and we proudly serve our community each day. Download the greatvalu app for specials! 
IsaBell K. Horsley Real Estate is proud to serve all your real estate needs throughout the Northern Neck and the Middle Peninsula areas. In 1975 IsaBell Horsley opened her first real estate office in an old two-room gas station in Urbanna. The old building has since been replaced with a lovely Charleston-style building which houses our main office.
Currently we have four office locations in Urbanna, Mathews, Deltaville and White Stone. The Horsley Real Estate team has friendly and knowledgeable agents who work hard for their buyers and sellers. They not only know the market but know the waterways and lifestyles of the area and are able to help you with all your real estate needs. When you think about real estate in Virginia’s Chesapeake Bay area, make sure you come and experience the Horsley difference. We know the area . . . it’s our back yard! Horsley Real Estate is a second and third generation owned and operated business. 
101-7 BAY FM:
Serving the Northern Neck and Middle Peninsula for over 45 years! Your home for Classic Hits, local news, weather and community updates. WKWI is an Adult Contemporary formatted broadcast radio station serving the Northern Neck and Middle Peninsula. Our music selection includes adult contemporary and top 40 pop hits. WIGO-FM: Today's country music and local news, weather and community updates for the Northern Neck & Middle Peninsula. We are located at 101 Radio Road in Kilmarnock VA, 22482. Mailing address is P.O. Box 819, Kilmarnock VA 22482. Two Rivers Communications, Inc. is an Equal Opportunity Employer. Serving the Northern Neck and Middle Peninsula for over 45 years! Your home for Classic Hits, local news, weather and community updates. |
Internal Medicine for the Northern Neck! When you and your family need compassionate, attentive, thorough healthcare, you'll find it at Bay Internists. We've been an independent healthcare practice for over 30 years. Our founders defined our practice philosophy as taking the necessary time with patients, listening to them, explaining their treatment options and answering all their questions – and all of our doctors and nurse practitioners have embraced that same philosophy.
By choice and design, we have avoided becoming a healthcare “mill” and we have looked for innovative ways to maintain a high level of patient care for every patient. We offer the same care to you and your family, as we would want for our own families, treating each individual health care concern with care and respect. As restrictions made patient care more challenging in recent years, we created, in addition to the traditional model of care at Bay Internists, a new concierge medicine offering through Bay Internists Select Health. Our internal medicine doctors and nurse practitioners, along with our dedicated staff, want you to enjoy a long, healthy and happy life. Your optimum health continues to be our top priority. Along with our experience in the preventive care and treatment of most acute and chronic health problems, we are thoroughly committed to caring for you as a whole patient using our knowledge and understanding of family health and wellness. When you need attentive personal medical care you can trust, call Bay Internists at 804-435-3103. Patients visit us from all over the Northern Neck, including Kilmarnock, Tappahannock, Callao and Lottsburg in Lancaster County, Essex County, Northumberland County, Middlesex County and Richmond County. 
NWP was originally a Commissioned Agent for Esso in the early 1940’s. Esso delivered fuel by barge to Kilmarnock, where it was stored at the same location as where the current main office is located. Bobtail trucks would then deliver fuel to residential and commercial customers and to local general stores that were scattered throughout the Northern Neck.
In 1965, George Noblett purchased the business from Esso, and the company was incorporated as George Noblett Oil Company, Inc. During this time, Mr. Noblett purchased a bulk plant in Kinsale, Virginia, which expanded the company’s marketing territory into Richmond and Westmoreland counties. He also purchased a couple of retail gasoline stations, which were branded Esso and then Exxon. George Noblett ran the business until 1984, at which time he sold the company to Norman L. Faulkner. Mr. Faulkner retained the name of the company as George Noblett Oil Company, Inc., and expanded the business by purchasing Rom Sanders’ general store in White Stone, Virginia. The store was converted into a convenience store/deli and named the Buoy Food Store. A year later, Norman F. Faulkner began managing the retail segment of George Noblett Oil Company, Inc., and through new construction and acquisition expanded that aspect of the business to eleven stores and six Subway restaurants. In 1995, Doug Faulkner recognized the future opportunity of propane in the Northern Neck area and initiated a venture into that service. We now serve thousands of customers with propane and are the only locally owned and operated distributor that provides petroleum and propane service in our marketing area. In 2011, we abbreviated our tradename to NWP Oil and Propane to simplify name recognition. |