The group's principal activities are the provision of commercial banking services through four branches located in gainesville and oakwood, georgia. the group conducts its business through two wholly-owned subsidiaries namely gainesville bank & trust and united bank & trust. the services offered include checking accounts, money market accounts, savings accounts, certificates of deposit, commercial, small business, real estate, consumer, home equity, automobile and credit card loans. the other banking services offered are drive-up and night depository facilities, 24-hour automated teller machines, internet and telephone banking and limited trust services. the group acquired community trust financial services corporation in june 2001. interest and fees on loans accounted for 75% of 2001 revenues; Other interest income, 12% and non-interest income, 13%.