MainStreet Bank Reports Profitable 3rd Quarter

Fairfax, VA – MainStreet Bank (OTC Bulletin Board: MNSB) reported a profitable 3rd quarter with net
income of $191,791.

“The Bank originated $54 million in small business loans this year, which is really a considerable
accomplishment given the generally low loan demand associated with our current economy,” reports
Chairman and CEO Jeff W. Dick. “There are many lenders out looking at relatively few deals in the
marketplace. Fortunately, our experienced commercial lenders offer a significant competitive edge in the
small business lending arena.”

The bank’s balance sheet reflects total assets at $251 million. Gross loans are at $211 million, total
deposits are at $221 million. The bank remains well capitalized and asset quality is again strong. The
current book value per share is $9.57. The share price on September 30th closed at 47% of book value, or
$4.50.

MainStreet Bank recently introduced a new account called aircharity®. aircharity® is a complete
fundraising solution for organized charities as well as groups and individuals who are raising money for
any cause. To learn more about aircharity®, visit airbanking.com/aircharity.

MainStreet operates branches in Herndon, Fairfax, Fairfax City, McLean and Clarendon. In addition,
MainStreet has 50,000 free ATMs across the United States and an online banking solution called
airbanking.com. With a robust and easy-to-use online business banking technology, MainStreet has “put
our bank” in well over 450 businesses in the Metropolitan area and across the United States. The bank is
not restricted by a conventional branching system, as it can offer business customers the ability to Put
Our Bank in Your Office®
.

MainStreet Bank was the first community bank in the Washington, DC Metropolitan area to offer a full
online business banking solution. MainStreet Bank was also the first bank headquartered in the
Commonwealth of Virginia to offer CDARS – a solution that provides FDIC insurance on deposits up to
$50 million. Further information on the Bank can be obtained by visiting its website at mstreetbank.com.

This release contains forward-looking statements, including our expectations with respect to future events, that are
subject to various risks and uncertainties. Factors that could cause actual results to differ materially from
management’s projections, forecasts, estimates and expectations include: fluctuation in market rates of interest and
loan and deposit pricing, adverse changes in the overall national economy as well as adverse economic conditions
in our specific market areas, maintenance and development of well-established and valued client relationships and
referral source relationships, and acquisition or loss of key production personnel. Other risks that can affect the
Bank are detailed from time to time in our quarterly and annual reports filed with the Board of Governors of the
Federal Reserve System. We caution readers that the list of factors above is not exclusive. The forward-looking
statements are made as of the date of this release, and we may not undertake steps to update the forward-looking
statements to reflect the impact of any circumstances or events that arise after the date the forward-looking
statements are made. In addition, our past results of operations are not necessarily indicative of future
performance.


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