The company provides a broad range of lending, depository and related financial services to individuals and small to medium sized businesses in northern new jersey. the deposit products of the company include checking accounts, savings accounts, now accounts, money market accounts and certificates of deposit. the lending services provided by the company include short and medium term loans, lines of credit, letters of credit, inventory and account receivable financing. the other services provided by the company include securities brokerage services, mutual funds and variable annuities. the company operates through 33 branch offices located in passaic, morris, bergen and essex counties of new jersey. interest and fees on loans accounted for 62% of 2001 revenues; Other interest income, 27% and non-interest income, 11%.