The group's principal activity is to provide commercial and retail banking services primarily in the eastern panhandle and south central regions of west Virginia and the northwestern region of Virginia. The group accepts demand deposit, savings accounts, now accounts and time deposits. It offers commercial loans, real estate construction loans real estate mortgage loans and consumer loans. The other services of the group are merchant credit card services and letters of credit and cash management services. It provides these services through its three subsidiaries. At 01-Mar-04, it acquired sager insurance agency.
