The group's principal activities are to provide a variety of financial services. the services of the group include attracting deposits from the general public, originating residential and commercial real estate mortgages, commercial and consumer loans, investing in securities and providing investment management services. the deposits accepted by the group include money market and savings accounts, certificates of deposit, now and demand deposit accounts. the investment management services are primarily provided through its wholly owned subsidiary, heritage capital management. the services are provided to individuals, local businesses, legal and accounting firms, venture capital organizations, limited partnership sponsors, pension funds and charitable organizations primarily located in the greater boston area. banking services accounted for 95% of 2001 revenues and investment management services, 5%.