Uwharrie Capital Corp is a bank holding company.  The Company was organized to become the bank holding company for Uwharrie Bank.Uwharrie Bank operations are primarily retail oriented and directed to individuals and small to medium-sized businesses. The Bank provides traditional commercial and consumer banking services, including personal and commercial checking and savings accounts, money market accounts, certificates of deposit, individual retirement accounts, and related business. The Bank’s lending activities include commercial loans and various consumer-type loans to individuals, including installment loans, mortgage loans, equity lines of credit and overdraft checking credit.