The group's principal activity is to provide commercial and retail banking services. the group is a bank holding company, which operates through its subsidiary, the adams national bank. the commercial banking services offered by the group include commercial real estate and commercial business loans, cash management services, letter of credit and collateralized repurchase agreements. the retail banking services include consumer loans and a variety of deposit account products including transaction, money market, certificates of deposits and individual retirement accounts. the group also offers its customers computer banking and 24 hour telephone banking services, visa credit card services and custodial services. the customers of the group include individuals, small to medium-sized businesses, professionals, nonprofit organizations and other organizations.