UNITED CITIES BANK

CONSUMER BANKING SERVICES, NAMELY, SAVINGS AND CHECKING SERVICE, IRAS AND CDS, DIRECT DEPOSIT AND ACH, PROVIDING CREDIT AND DEBIT CARDS, SAFE DEPOSIT BOXES, ON-LINE BANKING, WIRE TRANSFERS, MONEY ORDERS, TELBANC SERVICES, AND INVESTMENTS SERVICES; LOAN AND BUSINESS SERVICES, NAMELY, BUSINESS LOANS, COMMERCIAL MORTGAGES, CHURCH LOANS, RESIDENTIAL MORTGAGES, AUTO AND PERSONAL LOANS, HOME EQUITY LOANS, BUSINESS CHECKING AND SAVINGS, ESCROW MANAGEMENT, MERCHANT CARD SERVICES, KEOGH AND SEP ACCOUNTS AND NIGHT DEPOSITORY