The group's principal activities are to provide banking services through the group's wholly owned subsidiaries. the services include accepting time and demand deposit accounts, making secured and unsecured commercial and consumer loans. the bank also provides letters of credit and offers discount brokerage services, personal financial planning and credit card services. the group provides services to its customers through a branch network of 40 offices located in armstrong, allegheny, indiana, jefferson, clarion, clearfield and westmoreland counties. interest and fees on loans accounted for 68% of 2001 revenues; Other interest income, 16% and non-interest income, 16%. 16%.