By Bonnie McGeer

NOV 6, 2009 5:10pm ET

A Tale of Two Stock Offerings

Alliance in Syracuse, N.Y., and Hancock in Gulfport, Miss., reported starkly different outcomes for their offensive stock offerings Friday.

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Facebook's securities filings show its Facebook Credits digital currency business is exploding. Does it pose a serious threat to banks?

Yes. Facebook Credits threatens to cut off banks from transactions and customer data.

12%

No. A system the enables users to pay for online games and page upgrades is a harmless niche.

32%

Maybe. It depends on whether Facebook makes an aggressive move into ecommerce.

56%

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