The group's principal activities are to attract retail deposits from the general public and invest those deposits, together with other sources of funds in loans. The lending activities of the group include one-to four-family first mortgage loans, construction loans, multi-family residential loans, commercial real estate loans, land loans and loans secured by savings account. It also offers a variety of deposits consisting of regular passbook savings accounts, now accounts, checking accounts, money market deposit accounts, iras and certificates of deposits.