The group's principal activities are the provision of consumer and commercial banking services and trust and asset management services. consumer services include internet and telephone banking, atm network, personal and interest checking accounts, savings accounts, insured money market accounts, debit cards, investment certificates, certificates of deposit, club accounts, installment loans, safe deposit facilities, construction and mortgage loans, ira accounts and student loans. commercial services includes small and high volume business checking accounts, on-line account management services, ach origination, payroll direct deposit, commercial cash management services and repurchase agreements. the group provides services through 43 full service offices in bedford, blair, center, clinton, huntingdon, juniata and mifflin counties in central pennsylvania.