The group is a bank holding company concerned with commercial and retail banking and trust business. the group provides checking and savings accounts, time deposits, personal, business, residential mortgage, educational loans, credit cards, safe deposit and night depository facilities. operations of the group are also carried on in five banking divisions: chestnut hill national bank, national asian division, elverson national bank division, 1st main line bank and berks county. the group conducts its business through 61 full service branches. interest and fees on loans accounted for 55% of 2000 revenues; Other interest income, 24% and non-interest income, 21%.