The group's principal activities are to provide general, commercial and mortgage banking services to individuals and small businesses. the group provides various checking and savings deposit accounts, business, real estate, development, mortgage, home equity, automobile and other loans. the group also offers atm services, internet banking services, credit card services, trust services, notary public, wire services and other customary bank services. the group operates through 10 branch offices located in virginia and maryland. on 03-sep-2002, it acquired moore loans inc. interest and fees accounted for 56% of 2001 revenues; Other interest income, 8% and non-interest income, 36%.