American National Bankshares Inc. Watch

from 10-K 2 pages Description of American National Bankshares Inc.’s Securities

from 10-K 2 pages Description of American National Bankshares Inc.’s Securities

from 10-K 2 pages Description of American National Bankshares Inc.’s Securities

from 10-K 2 pages Description of American National Bankshares Inc.’s Securities

from S-3 62 pages American National Bankshares Inc. Issuer and [ ] Trustee Subordinated Indenture Dated as of [ ], 20[ ] Subordinated Debt Securities

from S-3 57 pages American National Bankshares Inc. Issuer and [ ] Trustee Senior Indenture Dated as of [ ], 20[ ] Senior Debt Securities

from 10-K 3 pages Description of American National Bankshares Inc.’s Securities

from S-8 POS 12 pages Hometown Bank 2005 Stock Option Plan Section 1 Purposes

from S-3 64 pages American National Bankshares Inc. Issuer and [ ] Trustee Subordinated Indenture Dated as of [ ], 20[ ] Subordinated Debt Securities

from S-3 60 pages American National Bankshares Inc. Issuer and [ ] Trustee Senior Indenture Dated as of [ ], 20[ ] Senior Debt Securities

from S-3 61 pages American National Bankshares Inc. Issuer and [ ] Trustee Subordinated Indenture Dated as of [ ], 20[ ] Subordinated Debt Securities

from S-3 57 pages American National Bankshares Inc. Issuer and [ ] Trustee Senior Indenture Dated as of [ ], 20[ ] Senior Debt Securities

from S-4/A 2 pages Incorporated Under the Laws of the Commonwealth of Virginia No. Shares American National Bankshares Inc. Fully Paid and Non-Assessable Series a Noncumulative Perpetual Preferred Stock This Certifies That Is the Owner of Shares of the Capital Stock of American National Bankshares Inc. Transferable Only on the Books of the Corporation by the Holder Hereof in Person or by Attorney Upon Surrender of This Certificate Properly Endorsed. in Witness Whereof, the Said Corporation Has Caused This Certificate to Be Signed by Its Duly Authorized Officers and Its Corporate Seal to Be Hereunto Affixed This Day of A.D. Secretary President $5.00 Par Value Shares Each © Goes 196

from S-4/A 2 pages Number Anb Shares American National Bankshares Inc. Incorporated Under the Laws of the Commonwealth of Virginia Common Stock Cusip 027745 10 8 See Reverse for Certain Definitions This Certifies That Specimen Is the Owner of Fully Paid and Non-Assessable Shares of the Common Stock, Par Value $1.00 Per Share of American National Bankshares Inc. Transferable Only on the Books of the Corporation by the Holder Hereof in Person or by Attorney Upon Surrender of This Certificate Properly Endorsed. This Certificate Is Not Valid Until Countersigned by the Transfer Agent and Registered by the Registrar. in Witness Whereof, the Said Corporation Has Caused This Certificate to Be Signed by the Facsimile Signatures of Its Duly Authorized Officers and Its Corporate Seal to Be Hereunto Affixed. Dated: Secretary President Transfer Agent and Registrar by Authorized Signature © Goes 858 M. Burr Keim. Phila. American National Bankshares Inc. Corporate Seal

from S-8 ~10 pages Indenture or similar

from S-3D ~5 pages Bylaws, as Amended

from S-3D ~10 pages Articles of Incorporation, as Amended