Sec Form 4 Filing - Gavant Judy Carol @ BAY BANKS OF VIRGINIA INC - 2021-01-31

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person Gavant Judy Carol 2. Issuer Name and Ticker or Trading Symbol BAY BANKS OF VIRGINIA INC [ BAYK] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) X __ Director _____ 10% Owner _____ Officer (give title below) _____ Other (specify below) (Last) (First) (Middle) P.O. BOX 17310 3. Date of Earliest Transaction (MM/DD/YY) 01/31/2021 (Street) RICHMOND, VA23226 4. If Amendment, Date Original Filed (MM/DD/YY) 6. Individual or Joint/Group Filing (Check Applicable Line) __ X __ Form filed by One Reporting Person _____ Form filed by More than One Reporting Person (City) (State) (Zip)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned 1.Title of Security (Instr. 3) 2. Transaction Date (MM/DD/YY) 2A. Deemed Execution Date, if any (MM/DD/YY) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Common Stock 01/31/2021 D 27,681 D 0 D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned ( e.g. , puts, calls, warrants, options, convertible securities) 1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (MM/DD/YY) 3A. Deemed Execution Date, if any (MM/DD/YY) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5) 6. Date Exercisable and Expiration Date (MM/DD/YY) 7. Title and Amount of Underlying Securities (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4) Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares Stock Option $ 9.86 01/31/2021 D 5,000 06/07/2018 06/07/2028 Common Stock 5,000 ( 2 ) 0 D Stock Option $ 8.1 01/31/2021 D 5,000 06/12/2019 06/12/2029 Common Stock 5,000 ( 2 ) 0 D

Reporting Owners Reporting Owner Name / Address Relationships Director 10% Owner Officer Other Gavant Judy Carol P.O. BOX 17310 RICHMOND, VA23226 X Signatures /s/ Judy Carol Gavant 02/02/2021 Signature of Reporting Person Date

Explanation of Responses:

( 1 )Effective January 31, 2021, pursuant to an Agreement and Plan of Reorganization, dated as of August 12, 2020, as amended on November 6, 2020 (the "Merger Agreement"), between the Bay Banks of Virginia, Inc. ("Bay Banks") and Blue Ridge Bankshares, Inc. ("Blue Ridge"), Bay Banks merged with and into Blue Ridge, with Blue Ridge as the surviving company (the "Merger"). In the Merger, each share of Bay Banks common stock converted into 0.50 shares of Blue Ridge common stock. ( 2 )This option was converted into an option to purchase shares of Blue Ridge common stock equal to the number of shares of Bay Banks common stock subject to such option multiplied by 0.50, at an exercise price equal to the exercise price of such option divided by 0.50.

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).

** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

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