The group's principal activity is the provision of commercial and consumer banking products and services to individuals and businesses. the group operates 22 retail offices located primarily in the western slope region of colorado. the services provided by the group include, accepting checking accounts, savings accounts and time deposits, lending short-term loans, real estate loans and other loans, automatic teller machines and night depository services. the group has three wholly owned subsidiaries, weststar bank, vail banks statutory trust i, and vail banks statutory trust ii.