The company's principal activity is to provide a wide range of commercial and consumer banking products through its principal subsidiary, 'united commercial bank'. the products and services offered by the company include checking accounts, savings accounts, money market accounts, time deposits, commercial real estate loans, construction loans, commercial loans and home equity lines of credit. specialized services offered by the company include international trade services for business clients, mastercard and visa merchant deposit services, cash management services and e-business services. interest & fees on loans accounted for 79% of 2001 revenues; Other interest income, 18% and non-interest income, 3%.