Belmont Bancorp. is the holding company for Belmont National Bank (the Bank), a banking corporation organized as a national banking association. The Banks primary service area is located in Belmont, Harrison, and Tuscarawas Counties in Ohio, and Wheeling, West Virginia. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, commercial real estate, and installment loans. In addition to the Bank, the Company owns Belmont Financial Network, Inc. (BFN), a non-bank subsidiary. BFN serves as a community development corporation by investing in a low-income housing project that provides low-income housing and historic tax credits.