The principal activity of the bank is to provide full commercial banking services to the business and professional clients and services to individuals living in the service area. the lending services provided by the company include commercial loans, real estate loans, installment loans including automobile and personal loans and credit card services. the deposit services provided by the company include business and personal checking accounts, now accounts and a tiered savings/money market account. other services provided by the company include cash management services including pc banking, sweep accounts, repurchase agreements, lock box and account reconciliation, credit card depository and automated clearing house origination.