UNITED BANKSHARES INC
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United Bankshares, Inc., through its banking subsidiaries, engages in community banking business. It accepts checking, savings, time, and money market deposit accounts, as well as offers personal, commercial, floor plan, student, construction, and real estate loans. The company also provides individual retirement accounts, safe deposit boxes, and wire transfers; and credit card, telephone banking, and Internet banking services. It acts as trustee under wills, trusts, and pension and profit sharing plans; as an executor and administrator of estates; as guardian for estates of minors and incompetents; and performs various investment and security services. In addition, the company provides services, such as check clearing, safekeeping, and the purchase and sale of federal funds to its correspondent banks. It also owns nonbanking subsidiaries, which offer asset management, real property title insurance, investment banking, financial planning, and brokerage services. In addition, the company invests in U.S. treasury securities and obligations of U.S. Government corporations and agencies, state and political subdivisions, and mortgage-backed and marketable equity securities. Its principal market area includes Parkersburg, Charleston, Huntington, Morgantown, and Wheeling, West Virginia; and Arlington, Fairfax, Loudoun, and Prince William counties, Virginia. As of December 31, 2004, the company operated 90 full service offices, including 52 offices in West Virginia; 35 in the Northern Virginia, Maryland, and Washington, D.C. areas; and 3 in Ohio. United Bankshares is headquartered in Charleston, West Virginia.