Fed One Bancorp, Inc., is a one bank holding company. The principal activities of the bank is attracting deposits from the general public, providing loans including commercial, mortgage, consumer and other related loans, investment services and other related financial services. The company conducts operations through its main office in wheeling, West virginia located in the northern panhandle of West Virginia, and through its twelve branch offices in West Virginia, ohio and including 7 day bank centers in Kroger supermarkets. Interest & fees on loans accounted for 51% of 1997 revenues; other interest income, 46% and non-interest income, 3%.