American Community Bancshares, Inc. is a bank holding company for American Community Bank (the Bank). The Bank operates for the primary purpose of serving the banking needs of individuals and small to medium-sized businesses in its market area, which consists of the Southern Piedmont area of North Carolina, primarily in Union and Mecklenburg Counties. The Company offers a range of banking services, including checking, certificates of deposit (CDs) and savings accounts, commercial, consumer and personal loans, mortgage, account receivable financing and leasing services and other associated financial services.