The group is a holding company of james monroe bank. the group provides various loans, deposit and other financial service products to its customers, principally located throughout northern virginia. in addition the group maintains correspondent banking relationships and transacts daily federal funds transactions on an unsecured basis, with regional correspondent banks. the loan portfolio of the group includes commercial loans, lines of credit, personal loans, auto loans and financing arrangements for personal equipment and business equipment. the bank offers several types of deposit accounts in addition to standard savings, checking and now accounts. the deposits include special deposit, personal checking and small business checking. the bank offers services to a wide array of depositors and borrowers, to small to medium sized businesses, professionals and the individual retail customer.