Filed by Mercantile Bankshares Corporation pursuant to

Rule 425 under the Securities Act of 1933

Subject Company: Community Bank of Northern Virginia

Commission File Number (of filer): 0-5127

Date: March 16, 2005

This filing relates to a proposed merger between Mercantile Bankshares Corporation and Community Bank of Northern Virginia pursuant to the terms of an Agreement and Plan of Merger dated as of January 24, 2005.

The following information is distributed in information packages when meeting with analysts and investors, at conference presentations, when requested in writing, and on the Registrant’s website www.mercantile.com.

Cautionary Statement

This document contains financial information determined by methods other than in accordance with Generally Accepted Accounting Principles (“GAAP”). Bankshares’ management uses these operating earnings measures in their analysis of the Company’s performance. These measures typically adjust GAAP performance measures to exclude intangible assets and the amortization of intangible assets related to the consummation of mergers. These operating earnings measures may also exclude other significant gains, losses or expenses that are not considered components of core operations. Since these items and their impact on Bankshares’ performance are difficult to predict, management believes presentations of financial measures excluding the impact of these items provide useful supplemental information that is essential to a proper understanding of the operating results and financial position of Bankshares’ core businesses. These disclosures should not be viewed as a substitute for results determined in accordance with GAAP, nor are they necessarily comparable to operating earnings performance measures that may be presented by other companies.

ADDITIONAL INFORMATION ABOUT THE MERGER AND WHERE TO FIND IT

Community Bank and Bankshares have filed with the SEC and FDIC, respectively, a proxy statement/prospectus and other relevant materials in connection with the proposed merger. The proxy statement/prospectus will be mailed to the shareholders of Community Bank. Investors and security holders of Community Bank are urged to read the proxy statement/prospectus and the other relevant materials when they become available because they will contain important information about Community Bank, Bankshares and the merger.

The proxy statement/prospectus and other relevant materials (when they become available), and any other documents filed by Community Bank or Bankshares may be obtained free of charge at the SEC’s Web site at www.sec.gov or at the Community Bank Web site at www.cbnv.com.  In addition, investors and security holders may obtain free copies of the documents filed with the FDIC by Community Bank by contacting Dale Phelps, Community Bank of Northern Virginia, 107 Free Court, Sterling, VA 20164, telephone 703-444-7634 or from Community Bank’s Web site at www.cbnv.com. Investors and security holders may obtain free copies of the documents filed with the SEC by Bankshares by contacting David Borowy, Mercantile Bankshares Corporation, Two Hopkins Plaza, Baltimore, MD 21201, telephone 410-347-8039 or from Bankshares’ Web site at www.mrbk.com/invest/sec.html.

•                  OVERVIEW OF MERCANTILE BANKSHARES CORPORATION

3/05

BRIEF DESCRIPTION

Mercantile Bankshares Corporation, with $14.4 billion in assets, is a regional multibank holding company with headquarters in Baltimore, Maryland. It is comprised of Mercantile-Safe Deposit and Trust Company, 12 community banks and a mortgage banking company. Our 13 banks serve communities in Maryland, Washington, D.C., Northern Virginia, the Delmarva Peninsula and southern Pennsylvania. Our largest bank, Mercantile-Safe Deposit and Trust Company, represents approximately one-third of total assets and operates 26 offices in Maryland and one commercial office in southern Pennsylvania.

Mercantile Bankshares Corporation emphasizes long-term customer relationships founded on value-added service and focuses on those traditional services it performs well. This emphasis on relationship banking makes moderate-sized and family-owned businesses a particularly important market for Mercantile affiliate banks.

Nearly all of our substantial investment and wealth management operations and more specialized corporate banking services are provided by our largest bank, Mercantile-Safe Deposit and Trust Company. The Investment & Wealth Management Division has approximately $22 billion in discretionary assets under management and $48 billion in assets under administration.

Relationship-oriented banking is effectively carried out through all our community banks, each of which has its own name, management, Board of Directors and historical ties to the families, businesses and institutions which make up its community. At the same time, community banks, through their association with Mercantile Bankshares Corporation, are able to provide its customers with the sophisticated banking services and financial resources of a major banking organization.

As a matter of policy, Mercantile affiliates lend almost exclusively within their market areas. Primary corporate objectives are to maintain capital strength, achieve superior profitability and high asset quality and avoid undue risk. We believe that growth is a by-product of meeting these objectives.

For the year ended 2004, of the top 50 Banking Companies*, Mercantile ranked 39th in end of period assets and 36th in net income. We ranked 11th in return on assets, 2nd in common average tangible equity to average tangible assets ratio, and due to our very large equity base, 44th in return on equity. In terms of efficiency of operations, we ranked 8th.

For the year ended 2004, Mercantile reported increased earnings for the 29th consecutive year. In June 2004, the quarterly dividend rate was increased by 6% to $.35 per share. This marks the 28th consecutive year of dividend increases.

* Based on Total Assets at December 31, 2004 as reported by SNL Financial LC, March 9, 2005.

1

CORPORATE FACT SHEET

DECEMBER 31, 2004

2

SIX YEAR STATISTICAL SUMMARY

(a)            Excludes investment securities gains and losses, gains on building sales, amortization of goodwill and other intangibles, restructuring charges and merger-related expenses.

(b)            Computed using diluted earnings per share.

(c)             Excludes balances and amortization expense related to goodwill.

^                     This presentation contains one or more Non-GAAP Measures and you can see the last page for a reconciliation of the Non-GAAP Measures contained herein.

3

COMPOSITION OF ASSETS AND LIABILITIES

ASSET DEPLOYMENT AND SOURCES OF FUNDS (in percentages)

4

PROFITABILITY

Mercantile vs. Peer Group*

NET INTEREST RATE SPREAD

(Difference between the yield on Interest earning assets and the cost of Interest-bearing liabilities. The yield on Interest-earning assets is calculated using taxable equivalent Net interest income.^)

NET INTEREST MARGIN

(Net Interest Income-taxable equivalent^/Average Earning Assets)

*                      Peer Group: Banking Companies with $10-25 Billion in Total Assets as of 12/31/04.

Source: SNL Financial LC, DataSource as of 3/9/05.

^                     This presentation contains one or more Non-GAAP Measures and you can see the last page for a reconciliation of the Non-GAAP Measures contained herein.

5

PROFITABILITY

Mercantile vs. Peer Group*

RETURN ON AVERAGE ASSETS (Net Income/Average Assets)

RETURN ON AVERAGE EQUITY (Net Income/Average Equity)

OPERATING EFFICIENCY RATIO [Nonint. expense - amort. of goodwill and other intangibles - merger related expenses/(Nonint. income - securities gains/losses + Taxable equivalent net int. income)]^

*                      Peer Group: Banking Companies with $10-25 Billion in Total Assets as of 12/31/04.

Source: SNL Financial LC, DataSource as of 3/9/05.

^                     This presentation contains one or more Non-GAAP Measures and you can see the last page for a reconciliation of the Non-GAAP Measures contained herein.

6

CAPITAL STRENGTH

Mercantile vs. Peer Group*

AVERAGE EQUITY/AVERAGE ASSETS

TIER 1 CAPITAL RATIO†

†                       Tier 1 equity (shareholders’ equity less goodwill) as a percentage of risk-adjusted total assets.

*                      Peer Group: Banking Companies with $10-25 Billion in Total Assets as of 12/31/04. Source:

SNL Financial LC, DataSource as of 3/9/05.

N/A      Not Available.

7

ASSET QUALITY

Mercantile vs. Peer Group*

PERIOD-END NONPERFORMING ASSETS ^† AS A % OF TOTAL LOANS

NET CHARGE-OFFS/(RECOVERIES) AS A % OF AVERAGE LOANS

PERIOD-END ALLOWANCE AS A % OF PERIOD-END LOANS

PERIOD-END ALLOWANCE AS A % OF PERIOD-END NONPERFORMING LOANS

†                       Nonperforming assets include nonaccrual loans, renegotiated loans and OREO. For this purpose total loans have been defined to include other real estate owned.

*                      Peer Group: Banking Companies with $10-25 Billion in Total Assets as of 12/31/04.

Source: SNL Financial LC, DataSource as of 3/9/05.

8

NONINTEREST REVENUES

Mercantile vs. Peer Group*

TOTAL NONINTEREST INCOME LESS SECURITIES GAINS/LOSSES AS A % OF ADJUSTED INCOME†

INVESTMENT AND WEALTH MANAGEMENT REVENUES AS A % OF NONINTEREST INCOME LESS SECURITIES GAINS/LOSSES

†                       Adjusted income consists of taxable equivalent net interest income and noninterest income less securities gains and losses. Taxable equivalent net interest income is a Non-GAAP Measure and you can see the last page for a reconciliation of the Non-GAAP Measures contained herein.

*                      Peer Group: Banking Companies with $10-25 Billion in Total Assets as of 12/31/04.

Source: SNL Financial LC, DataSource as of 3/9/05.

(a)            Peers as defined above but excludes thrifts.

(b)            Peers as defined above but excludes companies that do not have wealth management revenues.

9

INVESTMENT AND WEALTH MANAGEMENT REVENUES

INVESTMENT AND WEALTH MANAGEMENT ASSETS

10

RECONCILIATION OF NON-GAAP MEASURES

(In thousands, except per share data)