The group's principal activity is to provide full range of banking, financial services and other depository services. the group accepts checking accounts, savings accounts, money market deposit accounts and certificates of deposit. the group lends commercial loans, industrial loans, and residential real estate and consumer loans. the other services provided include safekeeping services. the trust services provided include retirement planning, estate planning, financial planning, trust accounts, tax services and investment management services. the services of the group are provided to individuals and commercial customers. the group's operations are conducted through 15 offices located in hampton, newport news, chesapeake, james city and york county.