The group's principal activities are carried out through three segments: retail banking offers loan and deposit products to its customers who consist of individuals, state and local governmental bodies and small to medium size commercial companies. mortgage banking originates, sells and services residential mortgage loans. retail brokerage offers a full range of retail brokerage services and products to its clients who consist primarily of individual investors. the group operates through 45 full-service stores in benton, coos, curry, douglas, jackson, josephine, lane, lincoln, linn, marion and multnomah counties in oregon. in 2001, the group acquired linn-benton bank and independent financial network, inc. retail banking accounted for 86% of 2001 revenues; Retail brokerage, 8% and mortgage banking, 6%.