The group's principal activity is to provide retail and commercial banking services through its subsidiary, bank of the ozarks. the group conducts its operations through 24 offices in 19 communities throughout northern, western and central arkansas. the services of the group include deposit services and loan services. in addition, the group also provides mortgage lending, cash management, trust services, safety deposit boxes, real estate appraisals, credit related life and disability insurance, atms, telephone banking, internet banking and debit cards. in 2001 the group expanded it operations and opened a total of four new banking offices, one in bryant, one in lonoke, a second office in fort smith and a fifth office in little rock.