X0303 4/A 2008-10-28 2009-01-09 0 0001290476 Village Bank & Trust Financial Corp. VBFC 0001298874 BELL CRAIG D PO BOX 330 MIDLOTHIAN VA 23113 1 0 0 0 Common Stock 48001 D Common Stock 4100 I IRA The amount of securities held by Mr. Bell was incorrectly doubled. The correct number of shares held in his IRA account is 4,100 shares. The number of shares held directly by Mr. Bell was incorrectly reported as 52,100. After verification with the shareholder, it was determined that the correct number of shares held directly by Mr. Bell is 48,001. /s/ Thomas W. Winfree, Power of Attorney for Craig Bell 2010-02-22