A wall block includes two finished wall material layers attached to a frame where the tops of the wall blocks are configured to support other wall blocks. Exterior wall blocks for constructing exterior walls include an interior wall material layer and an exterior wall material layer. Interior wall blocks include interior wall material layers on both vertical sides of the frame. Walls are formed by stacking and gluing the prefabricated wall blocks and vertically aligning the wall blocks in an offset or in a vertical configuration to form a stack bond, running bond, or offset running bond wall configuration. The interior wall material layers and exterior wall material layers do not require further finishing after a wall is assembled thereby greatly reducing labor costs.