The group's principal activity is to provide commercial banking services through its wholly owned subsidiary, lake city bank. the group's primary deposit products are checking accounts, savings accounts and term certificate accounts and the lending products include commercial loans, agricultural loans, direct and indirect customer lending, real estate mortgage lending. in addition, the group also provides safe deposit box service and trust and brokerage services. the group operates through 40 branch offices in eleven counties in northern indiana. interest and fees on loans accounted for 66% of 2001 revenues; Other interest income, 20% and non-interest income, 14%.