<SEC-DOCUMENT>0000927089-18-000384.txt : 20181025
<SEC-HEADER>0000927089-18-000384.hdr.sgml : 20181025
<ACCEPTANCE-DATETIME>20181025165026
ACCESSION NUMBER:		0000927089-18-000384
CONFORMED SUBMISSION TYPE:	SC 13D
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20181025
DATE AS OF CHANGE:		20181025

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FVCBankcorp, Inc.
		CENTRAL INDEX KEY:			0001675644
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				475020283
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SC 13D
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-90642
		FILM NUMBER:		181139454

	BUSINESS ADDRESS:	
		STREET 1:		11325 RANDOM HILLS ROAD
		STREET 2:		SUITE 240
		CITY:			FAIRFAX
		STATE:			VA
		ZIP:			22030
		BUSINESS PHONE:		703-436-3800

	MAIL ADDRESS:	
		STREET 1:		11325 RANDOM HILLS ROAD
		STREET 2:		SUITE 240
		CITY:			FAIRFAX
		STATE:			VA
		ZIP:			22030

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Bender Morton A
		CENTRAL INDEX KEY:			0001756656

	FILING VALUES:
		FORM TYPE:		SC 13D

	MAIL ADDRESS:	
		STREET 1:		11325 RANDOM HILLS ROAD
		STREET 2:		STE 240
		CITY:			FAIRFAX
		STATE:			VA
		ZIP:			22030
</SEC-HEADER>
<DOCUMENT>
<TYPE>SC 13D
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<FILENAME>bender13d1018.htm
<DESCRIPTION>SCHEDULE 13D
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<div style="FONT-SIZE: 14pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">UNITED STATES</div>

<div style="FONT-SIZE: 14pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">SECURITIES AND EXCHANGE COMMISSION</div>

<div style="FONT-SIZE: 12pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">Washington, D.C. 20549</div>

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<div style="FONT-SIZE: 18pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">SCHEDULE 13D</div>

<div style="FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">Under the Securities Exchange Act of 1934</div>

<div style="FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">(Amendment No. ________)*</div>

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<td style="FONT-SIZE: 24pt; WIDTH: 100%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: center">FVCBankcorp, Inc.</td>
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<div style="TEXT-ALIGN: center">(Name of Issuer)</div>
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<td style="WIDTH: 100%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: center">&#160;<font style="FONT-WEIGHT: bold">Common Stock, $0.01 par value</font></td>
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<div style="TEXT-ALIGN: center">(Title of Class of Securities)</div>
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<td style="WIDTH: 100%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: center">&#160;<font style="FONT-WEIGHT: bold">36120Q101</font></td>
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<div style="TEXT-ALIGN: center">(CUSIP Number)</div>
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<div>&#160;<font style="FONT-WEIGHT: bold">Beth A. Freedman, PC</font></div>

<div style="FONT-WEIGHT: bold">Silver, Freedman, Taff &amp; Tiernan LLP</div>

<div style="FONT-WEIGHT: bold">3299 K Street, NW, Suite 100</div>

<div style="FONT-WEIGHT: bold">Washington, DC 20007</div>

<div style="FONT-WEIGHT: bold">(202) 295-4500</div>
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<div style="TEXT-ALIGN: center">(Name, Address and Telephone Number of Person</div>

<div style="TEXT-ALIGN: center">Authorized to Receive Notices and Communications)</div>
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<td style="WIDTH: 100%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: center">&#160;<font style="FONT-WEIGHT: bold">October 12, 2018</font></td>
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<div style="TEXT-ALIGN: center">(Date of Event which Requires Filing of this Statement)</div>
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<div style="TEXT-ALIGN: left">If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of &#167;&#167;240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box &#9744;.</div>

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<div style="TEXT-ALIGN: left"><b>Note</b>: Schedules filed in paper format shall include a signed original and five copies of the schedule, including all exhibits. See &#167;240.13d-7 for other parties to whom copies are to be sent.</div>

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<div style="TEXT-ALIGN: left"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;FONT-SIZE: smaller; VERTICAL-ALIGN: text-top; LINE-HEIGHT: 1">*</sup> The remainder of this cover page shall be filled out for a reporting person's initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter disclosures provided in a prior cover page.</div>

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<div style="TEXT-ALIGN: left">The information required on the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left">CUSIP No. 36120Q101</div>
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<div>&#160;</div>
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<div style="FONT-SIZE: 18pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">1</div>
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<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">NAMES OF REPORTING PERSONS</div>
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<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY)</div>
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<div style="TEXT-ALIGN: left">Morton A. Bender</div>
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<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP</div>
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<div style="TEXT-ALIGN: right">(a)</div>
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<div style="FONT-FAMILY: ''Times New Roman''; TEXT-ALIGN: left">&#9744;</div>
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<div style="FONT-SIZE: 18pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">3</div>
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<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">SEC USE ONLY</div>
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<div style="TEXT-ALIGN: left">&#160;</div>
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<div style="FONT-SIZE: 18pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">4</div>
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<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">SOURCE OF FUNDS (SEE INSTRUCTIONS)</div>
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<div style="TEXT-ALIGN: left">PF</div>
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<div style="FONT-SIZE: 18pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">5</div>
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<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEM 2(D) OR 2(E)</div>
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<div style="FONT-FAMILY: ''Times New Roman''; TEXT-ALIGN: left">&#9744;</div>
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<div style="TEXT-ALIGN: left">&#160;</div>
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<div style="TEXT-ALIGN: left">&#160;</div>
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<div style="FONT-SIZE: 18pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">6</div>
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<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">CITIZENSHIP OR PLACE OF ORGANIZATION</div>
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<div style="TEXT-ALIGN: left">United States</div>
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<div style="TEXT-ALIGN: left">&#160;</div>
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<div style="TEXT-ALIGN: left">&#160;</div>
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<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 1pt solid">
<div style="TEXT-ALIGN: left">&#160;</div>
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<div style="TEXT-ALIGN: center">NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH</div>
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<div style="FONT-SIZE: 18pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">7</div>
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<td style="WIDTH: 76.38%; VERTICAL-ALIGN: middle; BORDER-LEFT: #000000 1pt solid">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">SOLE VOTING POWER</div>
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<div style="TEXT-ALIGN: left">&#160;</div>
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<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
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<td style="WIDTH: 76.38%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 1pt solid; PADDING-LEFT: 2pt; BORDER-LEFT: #000000 1pt solid" rowspan="2">
<div style="TEXT-ALIGN: left">748,327</div>
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<div style="TEXT-ALIGN: left">&#160;</div>
</td>
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<div style="TEXT-ALIGN: left">&#160;</div>
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<div style="FONT-SIZE: 18pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">8</div>
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<td style="WIDTH: 76.38%; VERTICAL-ALIGN: middle; BORDER-LEFT: #000000 1pt solid">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">SHARED VOTING POWER</div>
</td>
<td style="WIDTH: 2.59%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
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<td style="WIDTH: 76.38%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 1pt solid; PADDING-LEFT: 2pt; BORDER-LEFT: #000000 1pt solid" rowspan="2">
<div style="TEXT-ALIGN: left">1,433</div>
</td>
<td style="WIDTH: 2.59%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.59%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 1pt solid">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 1pt solid">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 6.36%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" rowspan="3">
<div style="FONT-SIZE: 18pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">9</div>
</td>
<td style="WIDTH: 76.38%; VERTICAL-ALIGN: middle; BORDER-LEFT: #000000 1pt solid">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">SOLE DISPOSITIVE POWER</div>
</td>
<td style="WIDTH: 2.59%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 76.38%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 1pt solid; PADDING-LEFT: 2pt; BORDER-LEFT: #000000 1pt solid" rowspan="2">
<div style="TEXT-ALIGN: left">748,327</div>
</td>
<td style="WIDTH: 2.59%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.59%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 1pt solid">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 1pt solid">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 6.36%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" rowspan="3">
<div style="FONT-SIZE: 18pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">10</div>
</td>
<td style="WIDTH: 76.38%; VERTICAL-ALIGN: middle; BORDER-LEFT: #000000 1pt solid">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">SHARED DISPOSITIVE POWER</div>
</td>
<td style="WIDTH: 2.59%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 76.38%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 1pt solid; PADDING-LEFT: 2pt; BORDER-LEFT: #000000 1pt solid" rowspan="2">
<div style="TEXT-ALIGN: left">748,327</div>
</td>
<td style="WIDTH: 2.59%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 2.59%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 1pt solid">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 1pt solid">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
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<td style="WIDTH: 6.36%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" rowspan="3">
<div style="FONT-SIZE: 18pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">11</div>
</td>
<td style="WIDTH: 86.4%; VERTICAL-ALIGN: middle; BORDER-LEFT: #000000 1pt solid" colspan="3">
<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON</div>
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</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
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<td style="WIDTH: 86.4%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 1pt solid; PADDING-LEFT: 2pt; BORDER-LEFT: #000000 1pt solid" rowspan="2" colspan="3">
<div style="TEXT-ALIGN: left">749,760</div>
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<td style="WIDTH: 2.59%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
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<tr>
<td style="WIDTH: 2.59%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 1pt solid">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 1pt solid">
<div style="TEXT-ALIGN: left">&#160;</div>
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<div style="FONT-SIZE: 18pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">12</div>
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<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES (SEE INSTRUCTIONS)</div>
</td>
<td style="WIDTH: 2.59%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: middle; PADDING-RIGHT: 2px">
<div style="FONT-FAMILY: ''Times New Roman''; TEXT-ALIGN: left">&#9744;</div>
</td>
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<tr>
<td style="WIDTH: 86.4%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" rowspan="2" colspan="3">&#160;</td>
<td style="WIDTH: 2.59%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
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<tr>
<td style="WIDTH: 2.59%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: #000000 1pt solid">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 1pt solid">
<div style="TEXT-ALIGN: left">&#160;</div>
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<div style="FONT-SIZE: 18pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">13</div>
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<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)</div>
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</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">&#160;</div>
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<div style="TEXT-ALIGN: left">5.85%</div>
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<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">&#160;</div>
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<tr>
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<div style="TEXT-ALIGN: left">&#160;</div>
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<div style="TEXT-ALIGN: left">&#160;</div>
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<div style="FONT-SIZE: 18pt; FONT-WEIGHT: bold; TEXT-ALIGN: center">14</div>
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<div style="FONT-WEIGHT: bold; TEXT-ALIGN: left">TYPE OF REPORTING PERSON (SEE INSTRUCTIONS)</div>
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<td style="WIDTH: 2.59%; VERTICAL-ALIGN: middle">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
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<tr>
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<div style="TEXT-ALIGN: left">IN</div>
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<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="BORDER-RIGHT: #000000 1pt solid; WIDTH: 5.01%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
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<tr>
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<div style="TEXT-ALIGN: left">&#160;</div>
</td>
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<div style="TEXT-ALIGN: left">&#160;</div>
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<div></div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left">CUSIP No. 36120Q101</div>
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<div><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Item 1.&#160; Security and Issuer.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">This report relates to the common stock $0.01 par value, of FVCBankcorp,&#160;Inc. (the "Company"), a Virginia corporation, the principal office of which is located at 11325 Random Hills Road, Suite&#160;240, Fairfax, Virginia 22030.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Item 2.&#160; Identity and Background.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left">&#160;</div>

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<div style="TEXT-ALIGN: left; MARGIN-LEFT: 36pt">(a)</div>
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<div style="TEXT-ALIGN: left">This statement is being filed by Morton A. Bender with respect to the shares of common stock beneficially owned by Mr. Bender.</div>
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<div style="TEXT-ALIGN: left; MARGIN-LEFT: 36pt">(b)</div>
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<div style="TEXT-ALIGN: left">Mr.&#160;Bender's address is 2838 McGill Terrace, Washington, D.C. 20008</div>
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<div style="TEXT-ALIGN: left; MARGIN-LEFT: 36pt">(c)</div>
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<div style="TEXT-ALIGN: left">Mr. Bender's present principal occupation is as a private investor.</div>
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<div style="TEXT-ALIGN: left; MARGIN-LEFT: 36pt">(d)</div>
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<div style="TEXT-ALIGN: left">Mr. Bender is a citizen of the United States.</div>
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<div style="TEXT-ALIGN: left; MARGIN-LEFT: 36pt">(e)</div>
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<div style="TEXT-ALIGN: left">Mr. Bender has not been convicted in a criminal proceeding (excluding traffic violations and similar misdemeanors) during the last five years.</div>
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<div style="TEXT-ALIGN: left; MARGIN-LEFT: 36pt">(f)</div>
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<div style="TEXT-ALIGN: left">Mr. Bender has not been, during the last five years, a party to a civil proceeding of a judicial or administrative body of competent jurisdiction as a result of which such person was or is subject to a judgment, decree or final order enjoining future violations of, or prohibiting or mandating activities subject to, federal or state securities laws or finding any violation with respect to such laws.</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Item 3. Source and Amount of Funds or Other Consideration.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left">&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">All the shares beneficially owned by Mr. Bender or his spouse were accrued in connection with the merger of Colombo Bank with and into FVCBank, the wholly owned subsidiary of the Issuer on October 12, 2018, as part of the consideration paid to Mr. Bender and his spouse pursuant to the Merger Agreement for the shares of Colombo Bank, owned by him and his spouse immediately prior to the merger (the remaining consideration was paid in cash), representing 5.85% of the outstanding shares. Mr. Bender was appointed a director of the Issuer effective upon completion of the merger on October 12, 2018.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Item 4. Purpose of Transaction.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">As indicated in Item 3 of this statement, 749,760 of the shares of Common Stock beneficially owned by Mr. Bender were acquired by him in connection with the merger of Colombo Bank with and into the Issuer. &#160;Mr. Bender may, from time to time, depending upon market conditions and other considerations, purchase additional shares of Common Stock or dispose of shares of Common Stock. Other than as may from time to time arise in his capacity as a director of the Issuer, Mr. Bender has no plans or proposals which relate to or would result in:</div>

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<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 5.05%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">(a)</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 94.95%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">the acquisition by any person of additional securities of the Issuer, or the disposition of securities of the Issuer;</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 5.05%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">(b)</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 94.95%; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left">an extraordinary corporate transaction, such as a merger, reorganization or liquidation, involving the Issuer or any of its subsidiaries;</div>
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<div style="TEXT-ALIGN: left">(c)</div>
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<div style="TEXT-ALIGN: left">a sale or transfer of a material amount of assets of the Issuer or any of its subsidiaries;</div>
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<div style="TEXT-ALIGN: left">(d)</div>
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<div style="TEXT-ALIGN: left">any change in the present board of directors or management of the Issuer, including any plans or proposals to change the number or term of directors or to fill any existing vacancies on the board;</div>
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<div style="TEXT-ALIGN: left">any material change in the present capitalization or dividend policy of the Issuer;</div>
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<div style="TEXT-ALIGN: left">any other material change in the Issuer's business or corporate structure;</div>
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<div style="TEXT-ALIGN: left">changes in the Issuer's charter or bylaws or instruments corresponding thereto or other actions which may impede the acquisition of control of the Issuer by any person;</div>
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<div style="TEXT-ALIGN: left">causing a class of securities of the Issuer to be delisted from a national securities exchange or to cease to be authorized to be quoted in an inter-dealer quotation system of a registered national securities association;</div>
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<div style="TEXT-ALIGN: left">a class of equity securities of the Issuer becoming eligible for termination of registration pursuant to Section 12(g)(4) of the Securities Exchange Act of 1934; or</div>
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<div style="TEXT-ALIGN: left">any action similar to any of those enumerated above.</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Item 5.&#160; Interest in Securities of the Issuer.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; As of the date of this filing,&#160; the reporting person beneficially owns an aggregate of 749,760 shares of common stock percentage 5.85%.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left">CUSIP No. 36120Q101</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The reporting person possesses sole power to vote and dispose of: an aggregate of 748,327 shares of common stock.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">The reporting person possesses shared power to vote/dispose of 1,433 shares of common stock (reflecting shares owned by his spouse).</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">Set forth below is information regarding the persons with whom the reporting person shares voting or dispositive power:</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">Grace Bender, a citizen of the United States, is the reporting person's spouse.&#160; She is not employed.&#160; Her contact address is 2838 McGill Terrace, N.W., Washington, D.C. 20008.&#160; Mrs.&#160;Bender has delegated to the reporting person authority to vote all shares of Company common stock held in her name.&#160; Mrs.&#160;Bender has not been convicted in a criminal proceeding (excluding traffic violations and similar misdemeanors) during the last five years. Mrs.&#160;Bender has not been, during the last five years, a party to a civil proceeding of a judicial or administrative body of competent jurisdiction as a result of which such person was or is subject to a judgment, decree or final order enjoining future violations of, or prohibiting or mandating activities subject to, federal or state securities laws or finding any violation with respect to such laws.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; TEXT-INDENT: 2.25pt">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; During the sixty days immediately preceding the date of this filing, no purchases attributable to the reporting person were effected in the Company's common stock.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The respective owners of shares which the reporting person is deemed to beneficially own, have the right to receive or direct the receipt of all dividends in respect of, or proceeds of the sale of, all shares owned by such persons.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Not applicable.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Item 6.&#160; Contracts, Arrangements, Understandings or Relationships With Respect to Securities of the Issuer.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">Except as otherwise described herein, there are no agreements, arrangements, understandings or relationships relating to any securities of the Company, including the common stock, including with respect to the transfer or voting thereof.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Item 7.&#160; Material to be Filed as Exhibits.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">None.</div>

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<div style="FONT-WEIGHT: bold; TEXT-ALIGN: center">SIGNATURE</div>

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<div style="TEXT-ALIGN: left; TEXT-INDENT: 54pt">After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.</div>

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<div style="TEXT-ALIGN: left">Dated:&#160; October 25, 2018</div>

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<div style="TEXT-ALIGN: left">&#160;/s/&#160; Morton A. Bender</div>
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<div style="TEXT-ALIGN: left">Name:&#160;&#160;Morton A. Bender&#160;</div>
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