The group's principal activity is to provide commercial and consumer banking services. the bank operates through its network of 14 full service branches located in ottawa county, northern allegan county and southwestern kent county. the services of the bank include checking and savings accounts, safe deposit boxes, travelers checks, money orders, trust services and provision of real estate commercial and residential loans, mortgage loans and consumer loans. interest and fees on loans accounted for 84% of 2001 revenues; Other interest income, 8% and non-interest income, 8%.