The group's principal activities are to provide banking and other financial services. the operations are conducted through its subsidiaries and its services include: offering residential mortgage loans, commercial loans, construction loans, consumer installment loans, home equity lines of credit, merchant credit card services, automated teller machines, telephone banking services, retirement accounts, cash management services, safe deposit boxes, internet banking, trust and investment management services. the group accepts commercial and consumer demand deposits, savings, and money market deposits and certificate of deposits. the group's market area includes washington county, a portion of kent county in southern rhode island and new london county in southeastern connecticut and operates through thirteen banking offices.