Bay Banks of Virginia Inc. announced that it has appointed Steve Layden as VCB's director of Business Development and C & I Lending for the Hampton Roads market. Layden, who has 40 years of commercial banking experience, has most recently been a senior commercial lender with TowneBank following TowneBank's merger with Monarch Bank in 2016. Having served as president of Monarch Bank's Commercial and Industrial Lending and retail banking locations, Layden had also spent 12 years with Gateway Bank/Bank of Hampton Roads as a regional president.