The group's principal activity is to provide financial services through affiliated independent community banks and financial services companies. the group's subsidiaries includes union bank and trust company, northern neck state bank, rappahannock national bank and bank of williamsburg and its non-bank affiliates are union investment services and mortgage capital investors. through its banking subsidiaries, the group provides commercial and consumer deposit accounts and loans, credit cards, automated teller machines, internet banking and many other services to its customers. interest and fees on loans accounted for 63% of 2001 revenues; Other interest income, 17% and non-interest income, 20%.