The principal activities of the company are acceptance of deposits and origination one-to-four family first mortgage loans using these and other funds. the company attracts checking accounts, now, passbook, money market and official checks. the kinds of loans offered by the company include mortgage, commercial, home improvement, manufactured housing and other consumer loans. the subsidiaries of the company are appraisal analysts, inc., h.f. development company, inc., harbor insurance agency, inc. and harbor florida financial services, inc. during fiscal 2000, the company acquired haynes and haynes insurance company. interest & fees on loans accounted for 78% of fiscal 2000 revenues; Other interest income, 15% and non-interest income, 7%.