said it will launch an on-line banking and brokerage service this month.

The service will include 24-hour access to account balances and bill payment, as well as on-line applications for residential, auto, and commercial loans, the company said.

The $250 million-asset banking company, formerly known as USABancshares, will offer new "EnergyOne" interest-earning accounts on its Web site. The accounts carry a minimum balance of $1.

A wholly owned brokerage subsidiary, USACapital, will offer on-line stock trading, along with equity and mutual fund research, at

This year, generated publicity by holding on-line auctions for FDIC-insured certificates of deposit.

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