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    <div style="text-align: center; font-size: 18pt; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; font-size: 18pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">WASHINGTON, D.C. 20549</div>
    <div style="font-size: 8pt;">&#160;</div>
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      <div style="text-align: center; margin-right: 216pt; margin-left: 216pt; font-size: 8pt;">&#160;</div>
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    <div style="font-size: 8pt;">&#160;</div>
    <div style="text-align: center; font-size: 18pt; font-weight: bold;">FORM 8-K</div>
    <div style="font-size: 8pt;">&#160;</div>
    <div>
      <div style="text-align: center; margin-right: 216pt; margin-left: 216pt; font-size: 8pt;">&#160;</div>
    </div>
    <div style="font-size: 8pt;">&#160;</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">CURRENT REPORT</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">PURSUANT TO SECTION 13 OR 15(d) OF THE</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">SECURITIES EXCHANGE ACT OF 1934</div>
    <div style="font-size: 8pt;">&#160;</div>
    <div style="text-align: center; font-weight: bold;">Date of report (Date of earliest event reported):&#160; October 18, 2019</div>
    <div style="font-size: 8pt;">&#160;</div>
    <div>
      <div style="text-align: center; margin-right: 216pt; margin-left: 216pt; font-size: 8pt;">&#160;</div>
    </div>
    <div style="font-size: 8pt;">&#160;</div>
    <div style="text-align: center; font-size: 24pt; font-weight: bold;">BAY BANKS OF VIRGINIA, INC.</div>
    <div style="text-align: center; font-size: 8pt; font-weight: bold;">(Exact Name of Registrant as Specified in Charter)</div>
    <div style="font-size: 8pt;">&#160;</div>
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      <div style="text-align: center; margin-right: 216pt; margin-left: 216pt; font-size: 8pt;">&#160;</div>
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    <div style="font-size: 8pt;">&#160;</div>
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          <td style="width: 33.33%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">Virginia</div>
          </td>
          <td style="width: 33.33%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">0-22955</div>
          </td>
          <td style="width: 33.33%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">54-1838100</div>
          </td>
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        <tr>
          <td style="width: 33.33%; vertical-align: top;">
            <div style="text-align: center; font-size: 8pt; font-weight: bold;">(State or Other Jurisdiction</div>
            <div style="text-align: center; font-size: 8pt; font-weight: bold;">of Incorporation)</div>
          </td>
          <td style="width: 33.33%; vertical-align: top;">
            <div style="text-align: center; font-size: 8pt; font-weight: bold;">(Commission File Number)</div>
          </td>
          <td style="width: 33.33%; vertical-align: top;">
            <div style="text-align: center; font-size: 8pt; font-weight: bold;">(IRS Employer</div>
            <div style="text-align: center; font-size: 8pt; font-weight: bold;">Identification No.)</div>
          </td>
        </tr>

    </table>
    <div style="font-size: 8pt;">&#160;</div>
    <div style="text-align: center; font-weight: bold;">1801 Bayberry Court, Richmond, Virginia 23226</div>
    <div style="text-align: center; font-size: 8pt; font-weight: bold;">(Address of Principal Executive Offices) (Zip Code)</div>
    <div style="font-size: 8pt;">&#160;</div>
    <div style="text-align: center; font-weight: bold;">Registrant&#8217;s telephone number, including area code: (804) 404-9668</div>
    <div style="font-size: 8pt;">&#160;</div>
    <div style="text-align: center; font-weight: bold;">N/A</div>
    <div style="text-align: center; font-size: 8pt; font-weight: bold;">(Former Name or Former Address, if Changed Since Last Report)</div>
    <div style="font-size: 8pt;">&#160;</div>
    <div>
      <div style="text-align: center; margin-right: 216pt; margin-left: 216pt; font-size: 8pt;">&#160;</div>
    </div>
    <div style="font-size: 8pt;">&#160;</div>
    <div><br>
    </div>
    <div style="text-align: justify;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the
      following provisions:</div>
    <div style="text-align: justify;">
      <div>&#9744;<font style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab"> </font>Written communications pursuant to Rule 425 under the
        Securities Act (17 CFR 230.425)</div>
      <div>&#9744;<font style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab"> </font>Soliciting material pursuant to Rule 14a-12 under the
        Exchange Act (17 CFR 240.14a-12)</div>
      <div>&#9744;<font style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab"> </font>Pre-commencement communications pursuant to Rule
        14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
      <div>&#9744;<font style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab"> </font>Pre-commencement communications pursuant to Rule
        13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
    </div>
    <div style="text-align: justify;"> <br>
    </div>
    Securities registered pursuant to Section 12(b) of the Act:
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            <div style="text-align: center;">Title of each class</div>
          </td>
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            <div style="text-align: center;">Trading Symbol(s)</div>
          </td>
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            <div style="text-align: center;">Name of each exchange on which registered</div>
          </td>
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            <div style="text-align: center;">None</div>
          </td>
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    <div style="background-color: #FFFFFF;">
      <div><br>
      </div>
      <div>Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter)
        or Rule&#160;12b-2&#160;of the Securities Exchange of 1934&#160;(&#167;240.12b-2&#160;of this chapter).</div>
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    <div style="background-color: #FFFFFF;">
      <div style="text-indent: 24.5pt;">Emerging growth company&#160;&#160;<font style="font-family: 'Segoe UI Symbol';">&#9744;</font></div>
    </div>
    <div style="background-color: #FFFFFF;">
      <div><br>
      </div>
      <div>If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or
        revised financial accounting standards provided pursuant to Section&#160;13(a) of the Exchange Act.&#160;&#160;<font style="font-family: 'Segoe UI Symbol';">&#9744;</font></div>
    </div>
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          <td style="width: 6.67%; vertical-align: top;">
            <div style="font-weight: bold;">Item 8.01</div>
          </td>
          <td style="width: 93.33%; vertical-align: top;">
            <div style="font-weight: bold;">Other Events.</div>
          </td>
        </tr>

    </table>
    <div style="text-indent: 36pt;">&#160;</div>
    <div style="text-indent: 36pt;">On October 18, 2019, Bay Banks of Virginia, Inc. (the
        &#8220;Company&#8221;) issued a press release announcing that its Board of Directors has authorized the repurchase of up<font style="font-size: 12pt;">&#160;</font>to 400,000 shares of the Company&#8217;s common stock (approximately 3% of the Company&#8217;s currently outstanding common stock) (the &#8220;Repurchase Program&#8221;).&#160; The Repurchase Program is effective October 18, 2019<font style="font-size: 12pt;">&#160;</font>through December 31, 2020, and the Company may repurchase shares through open market
        transactions or privately negotiated transactions, including pursuant to a trading plan in accordance with rules issued under the Securities Exchange Act of 1934. The actual timing, quantities, prices and manner of any share repurchases under the
        Repurchase Program will be determined by the Company in its discretion and will depend on a number of factors, including the market price of the Company&#8217;s common stock, share repurchases required under the Company&#8217;s employee benefit plans, general
        market and economic conditions, and applicable legal and regulatory requirements. The Repurchase Program may be modified, amended or terminated by the Company&#8217;s Board of Directors at any time. There is no guarantee as to the number of shares that
        the Company will repurchase under the Repurchase Program. A copy of the Company&#8217;s press release is attached as Exhibit 99.1 to this Form 8-K and is incorporated herein by reference.</div>
    <div>&#160;</div>
    <div><br>
    </div>
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            <div style="font-weight: bold;">Item 9.01</div>
          </td>
          <td style="width: 93.33%; vertical-align: top;">
            <div style="font-weight: bold;">Financial Statements and Exhibits.</div>
          </td>
        </tr>

    </table>
    <div style="text-indent: 36pt;">&#160;</div>
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            <div>&#160;&#160;&#160;&#160;</div>
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          <td style="width: 1.67%; vertical-align: top;">
            <div>(d)</div>
          </td>
          <td style="width: 95%; vertical-align: top;">
            <div>&#160;Exhibits.</div>
          </td>
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    </table>
    <div>&#160;&#160;</div>
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            <div>&#160;</div>
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          <td style="width: 8%; vertical-align: top;">
            <div style="font-family: 'Times New Roman',Times,serif; font-weight: bold;"><u>Exhibit No.</u></div>
          </td>
          <td style="width: 1.67%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="text-align: justify; font-weight: bold;"><u>Description</u></div>
          </td>
        </tr>
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            <div>&#160;</div>
          </td>
          <td style="width: 8%; vertical-align: top;">
            <div style="text-align: center;">&#160;</div>
          </td>
          <td style="width: 1.67%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="text-align: justify;">&#160;</div>
          </td>
        </tr>
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          <td style="width: 3.33%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 8%; vertical-align: top;">
            <div style="font-family: 'Times New Roman',Times,serif;">99.1</div>
          </td>
          <td style="width: 1.67%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div>Press release, October 18, 2019.</div>
          </td>
        </tr>

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    </div>
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    <div style="text-align: center; font-size: 12pt; font-weight: bold;">SIGNATURES</div>
    <div>&#160;</div>
    <div style="text-indent: 36pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf
      by the undersigned thereunto duly authorized.</div>
    <div>&#160;</div>
    <div><br>
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          <td style="vertical-align: top;" colspan="2">
            <div style="font-weight: bold;">BAY BANKS OF VIRGINIA, INC.</div>
          </td>
          <td style="width: 15.51%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 48.19%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 30%; vertical-align: top;">&#160;</td>
          <td style="width: 15.51%; vertical-align: top;">&#160;</td>
        </tr>
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          <td style="width: 48.19%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 30%; vertical-align: top;">&#160;</td>
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            <div>October 18, 2019</div>
          </td>
          <td style="width: 3%; vertical-align: top;">
            <div>By:</div>
          </td>
          <td style="width: 30%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>/s/ Judy C. Gavant</div>
          </td>
          <td style="width: 15.51%; vertical-align: top;">&#160;</td>
        </tr>
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          <td style="width: 48.19%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 30%; vertical-align: top;">
            <div>Judy C. Gavant</div>
          </td>
          <td style="width: 15.51%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 48.19%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 30%; vertical-align: top;">
            <div>Executive Vice President and Chief Financial Officer</div>
          </td>
          <td style="width: 15.51%; vertical-align: top;">&#160;</td>
        </tr>
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          <td style="width: 48.19%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 30%; vertical-align: top;">&#160;</td>
          <td style="width: 15.51%; vertical-align: top;">&#160;</td>
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{"company-data": {"conformed-name": "BAY BANKS OF VIRGINIA INC", "cik": "0001034594", "assigned-sic": "6022", "irs-number": "541838100", "state-of-incorporation": "VA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-22955", "film-number": "191156836"}, "business-address": {"street1": "1801 BAYBERRY COURT", "street2": "HILLCREST BUILDING", "city": "RICHMOND", "state": "VA", "zip": "23226", "phone": "804-404-9668"}, "mail-address": {"street1": "P. O. BOX 17310", "city": "RICHMOND", "state": "VA", "zip": "23226"}}
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
Date of report (Date of earliest event reported):  October 18, 2019
BAY BANKS OF VIRGINIA, INC.
(Exact Name of Registrant as Specified in Charter)
Virginia
0-22955
54-1838100
(State or Other Jurisdiction
of Incorporation)
(Commission File Number)
(IRS Employer
Identification No.)
1801 Bayberry Court, Richmond, Virginia 23226
(Address of Principal Executive Offices) (Zip Code)
Registrant's telephone number, including area code: (804) 404-9668
N/A
(Former Name or Former Address, if Changed Since Last Report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the
      following provisions:
☐
Written communications pursuant to Rule 425 under the
        Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the
        Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule
        14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule
        13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
None
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter)
        or Rule 12b-2 of the Securities Exchange of 1934 (§240.12b-2 of this chapter).
Emerging growth company
☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or
        revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
☐
Item 8.01
Other Events.
On October 18, 2019, Bay Banks of Virginia, Inc. (the
        "Company") issued a press release announcing that its Board of Directors has authorized the repurchase of up
to 400,000 shares of the Company's common stock (approximately 3% of the Company's currently outstanding common stock) (the "Repurchase Program").  The Repurchase Program is effective October 18, 2019
through December 31, 2020, and the Company may repurchase shares through open market
        transactions or privately negotiated transactions, including pursuant to a trading plan in accordance with rules issued under the Securities Exchange Act of 1934. The actual timing, quantities, prices and manner of any share repurchases under the
        Repurchase Program will be determined by the Company in its discretion and will depend on a number of factors, including the market price of the Company's common stock, share repurchases required under the Company's employee benefit plans, general
        market and economic conditions, and applicable legal and regulatory requirements. The Repurchase Program may be modified, amended or terminated by the Company's Board of Directors at any time. There is no guarantee as to the number of shares that
        the Company will repurchase under the Repurchase Program. A copy of the Company's press release is attached as Exhibit 99.1 to this Form 8-K and is incorporated herein by reference.
Item 9.01
Financial Statements and Exhibits.
(d)
Exhibits.
Exhibit No.
Description
99.1
Press release, October 18, 2019.
2
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf
      by the undersigned thereunto duly authorized.
BAY BANKS OF VIRGINIA, INC.
October 18, 2019
By:
/s/ Judy C. Gavant
Judy C. Gavant
Executive Vice President and Chief Financial Officer
3