YAVY Yadkin Financial Corporation (MM)

ELKIN, N.C., Nov. 9 /PRNewswire-FirstCall/ -- Yadkin Valley Bank and Trust Company (NASDAQ:YAVY) will participate in the American Community Bankers (ACB) Community Bank Investor Conference in New York on Thursday, November 10, 2005. Bill Long, President and CEO, is scheduled to make the presentation at 2:15 pm EST to investors and analysts. The presentation will be available on both ACB's website (http://www.americascommunitybankers.com/conferences/2005/investor) and the Bank's website (http://www.yadkinvalleybank.com/) under the Investor Relations tab. The presentation will include both performance comparisons with peers and discussion about the Bank's geographic footprint, corporate values, and plans for growth. Yadkin Valley Bank, a community bank headquartered in Elkin, North Carolina, serves customers from twenty-two full-service banking offices located in the piedmont, foothills and northwest mountains of North Carolina. Offices located in Jefferson and West Jefferson (Ashe County), Elkin (Surry County), North Wilkesboro and Wilkesboro (Wilkes County), and East Bend, Jonesville, and Yadkinville (Yadkin County) are operated under the Yadkin Valley Bank name. Offices in Mooresville and Statesville (Iredell County), and Cornelius and Huntersville (Mecklenburg County) are operated under the assumed name "Piedmont Bank." Offices in Boone (Watauga County) and Linville (Avery County) are operated under the assumed name "High Country Bank." Sidus Financial, LLC, a wholly-owned subsidiary with headquarters in Greenville, North Carolina, was acquired on October 1, 2004. Sidus provides mortgage banking services to customers in North Carolina, South Carolina, Virginia, Alabama, Georgia, Maryland, and Tennessee. The presentation discussed in this news release contains statements that could be deemed forward-looking statements within the meaning of the Security Exchange Act of 1934 and the Private Securities Litigation Reform Act of 1995, which statements are inherently subject to risks and uncertainties. Forward- looking statements are statements that include projections, predictions, expectations, or beliefs about future events or results or otherwise are not statements of historical fact. Such statements are often characterized by the use of qualifying words (and their derivatives) such as "expect," "believe," "estimate," "plan," "project," or other statements concerning opinions or judgements of the Company and its management about future events. Factors that could influence the accuracy of such forward-looking statements include, but are not limited to, the financial success or changing strategies of the Company's customers or vendors, actions of governmental regulators, the level of market interest rates, and general economic conditions. This information does not represent a complete set of financial statements and related footnotes prepared in conformity with generally accepted accounting principles. The information contained herein, including Exhibit 99.1, shall not be deemed filed for the purpose of the Securities Exchange Act of 1934, not shall such information or Exhibit be deemed incorporated by reference in any filing under the Securities Act of 1933, except as shall be expressly set forth by specific reference in such a filing. DATASOURCE: Yadkin Valley Bank and Trust Company CONTACT: Edwin E. Laws, Chief Financial Officer of Yadkin Valley Bank and Trust Company, +1-336-526-6313 Web site: http://www.yadkinvalleybank.com/ http://www.americascommunitybankers.com/conferences/2005/investor

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