On Thursday, September 6, 2012, Bank of the James Financial Group, Inc. (the "Company") issued a press release announcing that it had completed the private placement of $10,000,000 in unregistered notes (the "Press Release"). A copy of the Press Release is attached hereto as Exhibit 99.1.

The information in this Current Report on Form 8-K, including Exhibit 99.1, shall not be considered "filed" for purposes of Section 18 of the Securities and Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended or the Exchange Act.

(a) Financial statements of businesses acquired - not applicable

(b) Pro forma financial information - not applicable

(c) Shell company transactions - not applicable

(d) Exhibits

Exhibit
  No.                                 Exhibit Description

99.1         Bank of the James Financial Group, Inc. Press Release dated September
             6, 2012