Name the frirst black bank and the frist black insurance company?

the oldest continually operating African American bank in the United States. Consolidated Bank and Trust Co. in Richmond, Va., was founded 1OO years ago as the St. Luke Penny Savings Bank by Maggie L. Walker, the first woman in the United States to found and serve as president of a bank.
http://findarticles.com/p/articles/mi_qa4081/is_200403/ai_n9364168 -- not sure if this is correct but Southern Aid and Insurance Company of Richmond Virginia (First Black Owned Insurance Co ...The company was the the first chartered insurance company organized by blacks in the in the United States and had the distinction of being the oldest black ...Just 28 years after the end of the Civil War, in 1893, a group of black men in Richmond, Virginia organized the Southern Aid and Insurance Company.
http://scripophily.net/soaidandinfb.html

I never knew banks and insurance companies were black OR white.