The group's principal activity is to provide banking services. the services include originating loans and accepting deposits. the group lends loans for commercial, real estate, construction and consumer loans. accepts deposits for demand and time deposits, visa and mastercard revolving credit, drive-in banking services and automated teller machine transactions. the group operates through 13 branch offices in counties of essex, northumberland, king and queen, king william, richmond, lancaster, hanover, gloucester, middlesex and caroline.