The group's principal activities are to provide conventional first mortgage loans collateralized by one-to-four family residential property. The group is a unitary holding company of the first federal bank of Arkansas. The bank provides multi-family residential loans, commercial real estate loans, construction loans, commercial loans and consumer loans. The group operates through its main office and thirteen full service branch offices located in northcentral and northwest Arkansas. The group provides services mainly to individuals and small and medium-sized businesses.