The group's principal activity is to operate a full service commercial banking business that provides customary banking services. these services include checking and savings accounts, various types of time deposits, safe deposit facilities and individual retirement accounts. the group also makes secured and unsecured loans and provides other financial services to its customers. the group offers trust services including trust administration, asset management services and other services in the area of personal trusts. banking accounted for 52% of 2001 revenues; Mortgage banking, 45% and other, 3%.