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<SEC-DOCUMENT>0001193125-09-018552.txt : 20090319
<SEC-HEADER>0001193125-09-018552.hdr.sgml : 20090319
<ACCEPTANCE-DATETIME>20090204131136
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0001193125-09-018552
CONFORMED SUBMISSION TYPE:	CORRESP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20090204

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BANK OF THE JAMES FINANCIAL GROUP INC
		CENTRAL INDEX KEY:			0001275101
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				200500300
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		CORRESP

	BUSINESS ADDRESS:	
		STREET 1:		P O BOX 1200
		CITY:			LYNCHBURG
		STATE:			VA
		ZIP:			24505
		BUSINESS PHONE:		4348462000
</SEC-HEADER>
<DOCUMENT>
<TYPE>CORRESP
<SEQUENCE>1
<FILENAME>filename1.htm
<TEXT>
<HTML><HEAD>
<TITLE>Correspondence Filing</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center">

<IMG SRC="g83579g51e14.jpg" ALT="LOGO"> </P> <P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT FACE="Times New Roman" SIZE="2">February&nbsp;2, 2009 </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT FACE="Times New Roman"
SIZE="2"><U>via e-mail </U></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT FACE="Times New Roman" SIZE="2">Eric Envall, Esq . </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT FACE="Times New Roman" SIZE="2">United States
Securities and Exchange Commission </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT FACE="Times New Roman" SIZE="2">Division of Corporate Finance </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT FACE="Times New Roman"
SIZE="2">100 F St., N.E. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT FACE="Times New Roman" SIZE="2">Washington, D.C. 20549 </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT FACE="Times New Roman" SIZE="2"><B>Re:</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT FACE="Times New Roman" SIZE="2"><B>Bank of the James Financial Group, Inc. </B></FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT FACE="Times New Roman" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT FACE="Times New Roman" SIZE="2"><B>Preliminary Proxy Statement on Schedule 14A </B></FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT FACE="Times New Roman" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT FACE="Times New Roman" SIZE="2"><B>Filed January&nbsp;16, 2009 </B></FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT FACE="Times New Roman" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT FACE="Times New Roman" SIZE="2"><B>File No. 000-50548 </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT FACE="Times New Roman" SIZE="2">Dear Mr.&nbsp;Envall: </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT FACE="Times New Roman" SIZE="2">I am writing to follow up our letter of January&nbsp;27, 2009 written in response to Kathryn McHale&#146;s letter to Robert R. Chapman III, President of
Bank of the James Financial Group, Inc. (the &#147;Company&#148;) and our subsequent telephone call of January&nbsp;30, 2009 concerning the above-referenced Preliminary Proxy Statement on Schedule 14A. I am confirming that the Company is a Virginia
corporation. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT FACE="Times New Roman" SIZE="2">As I understand, our response to comments 1, 3, 4, and 5 of Ms.&nbsp;McHale&#146;s letter are satisfactory. We are providing
a supplemental response to comment 2 and providing additional information regarding the unbundling of the proposed amendments to our Articles of Incorporation. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
FACE="Times New Roman" SIZE="2"><B><U>RESPONSE TO COMMENTS AND PROPOSED AMENDEMENTS </U></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT FACE="Times New Roman" SIZE="2"><B><U>TO THE PRELIMINARY PROXY</U></B>
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT FACE="Times New Roman" SIZE="2"><U>Preliminary Proxy Statement on Schedule 14A </U></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:4%"><FONT FACE="Times New Roman"
SIZE="2">2.&nbsp;&nbsp;&nbsp;&nbsp;We note in Article III of the Company&#146;s Amended and Restated Articles of Incorporation that the Company is seeking to amend the par value of its authorized Common Stock from $4.00 to $2.14 per share; please
comply with Item&nbsp;12 of Schedule 14A or provide your analysis as to why compliance is not necessary. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:4%"><FONT FACE="Times New Roman" SIZE="2"><I>Response</I>: The Company has
changed the par value of its common stock to reflect the current par value as reflected on the Company&#146;s financial statements after giving effect to two stock splits effected in the form of a dividend. As noted in the Joint Bar Committee
Commentary (Revised 2006) to Virginia Code &#167; 13.1-706, under Virginia law, par value has no legal significance. Moreover, Virginia Code &#167; 13.1-706.4 authorizes a corporation&#146;s board of directors to amend the </FONT>
</P>

<p Style='page-break-before:always'>
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px">
<FONT FACE="Times New Roman" SIZE="2">Eric Envall, Esq. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT FACE="Times New Roman" SIZE="2">February&nbsp;2, 2009 </FONT></P> <P
STYLE="margin-top:0px;margin-bottom:0px"><FONT FACE="Times New Roman" SIZE="2">Page 2 </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; margin-left:4%"><FONT FACE="Times New Roman" SIZE="2">articles of incorporation to change the par value of
the Common Stock without shareholder approval. To avoid confusion, the Company has inserted the following on page 8 of the revised Preliminary Proxy, as shown on the marked copy: </FONT></P> <P
STYLE="margin-top:18px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT FACE="Times New Roman" SIZE="2"><STRIKE>Amendment</STRIKE> <U>Change </U>of Par Value of Common Stock </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; margin-left:13%"><FONT FACE="Times New Roman" SIZE="2"><U>As set forth in </U><STRIKE>T</STRIKE><U>t</U>he proposed <U>A</U><STRIKE>a</STRIKE>mend<U>ed</U><STRIKE>men</STRIKE>t <U>and
</U><U>R</U><U>estate</U><U>d</U><STRIKE>to the</STRIKE> Articles of Incorporation<U>, we are changing</U><STRIKE> amends</STRIKE> the stated par value of Common Stock from $4.00 per share to $2.14 per share. Since the <U>current </U>Articles of
Incorporation were filed, the Company has declared<U> </U><U>two stock splits </U><U>effected </U><U>in the form of a dividend</U><U> (the first a 50% stock dividend declared on January&nbsp;13, 2005 and the second a 25% stock dividend declared on
January&nbsp;17, 2006)</U><U>. </U><STRIKE>two stock dividends that have affected the par value of the Common Stock (the first a 50% stock dividend declared on January&nbsp;13, 2005 and the second a 25% stock dividend declared on January&nbsp;17,
2006)</STRIKE>. Under applicable accounting principles, these <U>two </U>stock <U>splits</U><U> effected</U><U> in the form of a stock dividend </U><STRIKE>dividends</STRIKE> have caused the par value of the Common Stock to be adjusted from $4.00 to
$2.14. This <STRIKE>amendment </STRIKE><U>change </U>conforms the par value of the Common Stock as stated in the Articles of Incorporation to the par value as reflected on the financial statements of the Company and has no effect on the rights of
the holders of Common Stock. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT FACE="Times New Roman" SIZE="2"><U>Unbundling of Proposed Amendments to Articles of Incorporation </U></FONT></P> <P
STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT FACE="Times New Roman" SIZE="2">As we discussed, in accordance with Rule 14a-4(a)(3), we have &#147;unbundled&#148; the two proposed amendments to the articles of incorporation. Proposal
One now deals solely with the proposed amendment to authorize the Company to issue preferred stock. Proposal Two now deals solely with the proposed amendment to allow the size of the board of directors to be set in the Company&#146;s bylaws.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT FACE="Times New Roman" SIZE="2">As we discussed, the Company has proposed amending its articles of incorporation regarding the size of the board of directors. This action
is permitted by Virginia Code &#167; 13.1-675. Presently, the articles of incorporation state that the board of directors shall consist of not less than 5 nor more than 25 directors. The Company has proposed amending its articles of incorporation to
provide that the size of the board of directors shall be set in the Company&#146;s bylaws rather than in the articles of incorporation. The Company has proposed this amendment to insure that the Company can comply with the provisions of the Capital
Purchase Program. The marked copy of the attached proxy sets forth our proposed disclosure concerning this amendment. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT FACE="Times New Roman" SIZE="2"><U>Additional Changes
</U></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT FACE="Times New Roman" SIZE="2">We have made numerous technical changes to conform the document to the latest changes. All of these changes are also set forth in the marked copy of
the preliminary proxy. We also made numerous date changes to reflect our revised timeline. </FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT FACE="Times New Roman" SIZE="2">Eric Envall, Esq. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT FACE="Times New Roman"
SIZE="2">February&nbsp;2, 2009 </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT FACE="Times New Roman" SIZE="2">Page 3 </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px" ALIGN="center"><FONT FACE="Times New Roman"
SIZE="2"><B><U>ADDITIONAL RESPONSE</U></B> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:4%"><FONT FACE="Times New Roman" SIZE="2">The Company acknowledges that: </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT FACE="Times New Roman" SIZE="2">1.&nbsp;&nbsp;&nbsp;&nbsp;The Company is responsible for the adequacy and accuracy of the disclosure in the filing; </FONT></P> <P
STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT FACE="Times New Roman" SIZE="2">2.&nbsp;&nbsp;&nbsp;&nbsp;Staff comments or changes to disclosure in response to staff comments do not foreclose the Commission from taking any action
with respect to the filing; and </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT FACE="Times New Roman" SIZE="2">3.&nbsp;&nbsp;&nbsp;&nbsp;The Company may not assert staff comments as a defense in any proceeding
initiated by the Commission or any person under the federal securities laws of the United States. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT FACE="Times New Roman" SIZE="2">Thank you for your assistance. Please
call me should you have any additional questions. I look forward to hearing from you soon. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0">

<TR>
<TD WIDTH="100%"></TD></TR>
<TR>
<TD VALIGN="top"><FONT FACE="Times New Roman" SIZE="2">Sincerely,</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT FACE="Times New Roman" SIZE="2">/s/ J.Todd Scruggs</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT FACE="Times New Roman" SIZE="2">J. Todd Scruggs</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT FACE="Times New Roman" SIZE="2">Enclosures </FONT></P>
</BODY></HTML>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
