The group's principal activity is to provide services of a savings bank. The group operates 20 full service offices in northeast Arkansas. The group originates first mortgage loans collateralized by single-family residential, multifamily residential, commercial real estate and agricultural real estate loans, commercial business loans, automobile and other consumer loans. The groups deposits include checking accounts, passbook savings and certificates deposit. On 30-Apr-2003, the group acquired marked tree bancshares.