Gateway Financial Holdings, the parent company of Gateway Bank and Trust Company, says it has reached an agreement to buy a Richmond community bank. The acquisition is part of Gateway's Virginia expansion beyond Hampton Roads. Gateway, based in Elizabeth City, says it has agreed to pay more than $55 million in cash and stock for the Bank of Richmond, which has six branches in the Richmond area and a loan production office in Charlottesville. Under the agreement, the Richmond bank will keep its name. It's expected to close May 31.