The principal activities of the group are the provision of general retail and commercial banking services to individuals, businesses, local government units and institutional customers. the products and services include accepting deposits in the form of checking accounts, money market deposit accounts, interest-bearing demand deposit accounts, savings accounts, certificates of deposit and time deposits; Making real estate, commercial, revolving, consumer and agricultural loans; Offering letters of credit; Providing other consumer financial services, such as automatic funds transfer, collections, night depository, safe deposit, travelers checks, savings bond sales and utility payment services; And providing other miscellaneous services normally offered by commercial banks. the company also conducts a general trust business. interest and fees on loans accounted for 66% of 2001 revenues, other interest income 24% & other income, 10%.