The group's principal activities are to provide general, community-oriented commercial and consumer banking business to its customers through 17 full-service offices in north carolina. the group is a one-bank holding company operating through its wholly owned subsidiary, east carolina bank. the group's operations are primarily retail oriented and directed toward individuals, small and medium-sized businesses and local governmental units located in its banking markets. the group's deposits and loans are derived primarily from customers in its banking markets. the deposit services include business and individual checking accounts, savings accounts, now accounts, certificates of deposit and money market checking accounts. interest & fees on loans accounted for 66% of 2001 revenues; Other interest income, 19% and non-interest income, 15%.