The group's principal activity is to provide services of commercial banking and other activities closely related to banking and consumer finance lending. the business is carried on through five wholly owned subsidiaries: oak hill banks, towne bank, action finance company, mcnelly, patrick & associates and oak hill title agency, llc. the services rendered by the group include commercial lending, real estate lending, consumer credit, credit card, other personal loan financing, group health insurance and other employee benefits. in 2001, the group completed a merger with innovative financial services agency, inc. interest and fees on loans accounted for 83% of 2001 revenues; Other interest income, 7% and non-interest income, 10%.