The group's principal activities are to accept deposits from the public and invest those deposits in loans and securities. the operations are conducted through four offices located in bettendorf and davenport, iowa and in moline, illinois. the group also provides merchant credit card processing services through its subsidiary quad city bancard, inc. commercial banking accounted for 87% of fiscal 2002 revenues; Merchant credit card processing, 6%; Trust management, 6% & all other, 1%.