The group's principal activities are to provide general and commercial banking services in north carolina. the commercial banking services of the group include a full range of financial services to consumers and businesses. the group's general banking services are provided in ashe, surry, wilkes and yadkin counties of north carolina. the group lends commercial, financial and agricultural loans, real estate loans and consumer loans. the group accepts now accounts, savings accounts, money market accounts and certificates of deposit. the group also operates atm machines in jonesville, wilkesboro, elkin and jefferson. the group operates through eight full service offices. on 31-jul-2002, it acquired main street bankshares inc