The group's principal activities are to provide commercial, retail and agricultural banking services. the subsidiaries of the group include the ohio valley bank company, loan central, inc. and the jackson savings bank. the operations of the group are carried on through 21 branch offices located in central and southeastern ohio and west virginia. the bank offers checking, savings and time deposits. in addition, the bank also provides safe deposit boxes, issuance of travelers' checks and administration of trusts. the consumer finance company, loan central, offers smaller balance consumer loans to individuals with higher credit risk history.