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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K Annual Report Pursuant to Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31 , 2020 BANK OF THE JAMES FINANCIAL GROUP , INC . ( Exact Name of Registrant as Specified in Its Charter ) Commission file number 001-35402 Virginia ( State or Other Jurisdiction of Incorporation or Organization ) 828 Main Street , Lynchburg , VA ( Address of Principal Executive Offices ) 20-0500300 ( I.R.S. Employer Identification No. ) 24504 ( Zip Code ) ( 434 ) 846-2000 ( Issuer's telephone number , including area code ) Securities registered under Section 12 ( b ) of the Exchange Act : Title of Each Class Common Stock , $ 2.14 par value Trading Symbol ( s ) BOTJ Securities registered under Section 12 ( g ) of the Exchange Act : None Name of Exchange on Which Registered The NASDAQ Capital Markets Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Indicate by check mark if the registrant is not required to file reports pursuant to Section13 or Section 15 ( d ) of the Act . □ Yes No ☐ Yes No Indicate by check mark whether the registrant : ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Exchange Act during the past 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes No □