The group's principal activity is to offer general, commercial and retail banking business services. the categories of loans lent by the group include commercial, real estate and consumer loans to individuals and small and medium size businesses. the group provides automated teller machines (atm) and automated clearing house (ach) services, which are used to process direct deposit activities inclusive of payrolls. in addition, the group also markets non-deposit financial products and services. the group's financial services include financial planning, investment and insurance products. the bank operates thirteen full-service banking offices in mercer county, new jersey, hamilton, ewing, hopewell, lawrence, east windsor and trenton. interest and fees on loans accounted for 56% of 2001 revenues; Other interest income, 38% and non-interest income, 6%.