The group's principal activities are to provide full range of commercial banking services, life and accident insurance coverage and trust services. The group's accepts commercial deposit, individual deposits and demand deposits. The group lends real estate mortgage loans, real estate construction loans, commercial loans, consumer installment loans, agricultural loans and residential loans. The group also provides drive-in banking services and automated teller machine banking, through its insurance subsidiary. Also sells credit life accident and health insurance coverage. The group primarily operates in grant county, randolph county, hardy county, mineral county and the northwest pendleton county.