The group is a multi bank holding company, which provides full-service commercial banking and trust business services to customers located in eastern pennsylvania. the group's subsidiary banks include, harleysville national bank and trust company, citizens national bank and security national bank. the services provided by the group include accepting time and demand deposits, making secured and unsecured commercial loans, financing commercial transactions, making construction and mortgage loans and performing corporate pension and personal trust services. the group has 39 branch offices operating in eastern pennsylvania. interest and fees on loans accounted for 56% of 2001 revenues; Other interest income, 30% & non-interest income, 14%.