The group's principal activity is to provide community-oriented consumer and commercial financial services to customers throughout northern Kentucky. The group is a holding company for the bank of Kentucky inc whose activity consists of accepting consumer and commercial deposits and using such deposits to fund residential and non-residential real estate loans and commercial, consumer, construction and land development loans. The federal deposit insurance corporation has insured the deposits. The group also makes construction and equipment loans to the municipalities of Kentucky. The group operates through its subsidiary primarily in boone, campbell, grant and kenton counties in northern Kentucky.