Do-it-yourself workshops, a testament to American spunk and ingenuity, have helped millions build decks, retile bathrooms, and write screenplays.

Harrington West Financial Group Inc. in Solvang, Calif., is acquiring the Thousand Oaks branch of Western Federal Bank.

After issuing a series of optimistic forecasts about its recovery from the asset quality woes that have beset it since 2002, Financial Institutions Inc. of Warsaw, N.Y., has suffered some setbacks in recent weeks.

Susquehanna Bancshares Inc. makes wealth management a high priority and is looking for acquisitions like last week’s purchase of a Delaware retirement benefit plan specialist to broaden its capabilities and boost revenue, its CEO said in an interview Friday.

Reduced funding costs gave Capitol Federal Financial's bottom line a big boost in its fiscal first quarter, which ended Dec. 31.

Capital City Bank Group Inc. in Tallahassee, Fla., is buying First Alachua Banking Corp. for $58.2 million in stock.

North Central Bancshares Inc. in Fort Dodge, Iowa, announced fourth-quarter earnings Thursday of $1.31 million, down 0.75% from a year earlier.

AmericanWest Bancorp in Spokane said fourth-quarter earnings dropped 32% from a year earlier, to $9.5 million, because of bigger provisions for loan losses and writedowns on foreclosed assets.

A dozen community banks in Missouri have teamed up to form a surcharge-free automated teller machine network and hope to enroll hundreds of banks and thrifts nationwide in the next few years.

Wainwright Bank and Trust Co. in Boston said Thursday that it had earned $1.5 million in the fourth quarter, 36% more than a year earlier.

First California Bank in Camarillo is buying South Coast Bancorp Inc. in Irvine, Calif., for $36 million in cash - about two times book value.

Indiana lawmakers are mulling a bill that would give state tax breaks to small banks for investing in local development.

MIDWEST

About two years after buying its first and only U.S. bank, the Dutch giant Rabobank is raising its profile here.

If Peoples State Bank in Jeffersonville, Ga., was in any other state, Capitol Bancorp Ltd. would not have had much interest in buying it.

Largely because of cost concerns, a bill introduced by Nebraska Congressman Tom Osborne last year to give banks and thrifts tax breaks for lending in rural areas did not even receive a hearing.

Community bankers worry that big banks will use complex services to woo away their customers. A visit I made to a Bank of America branch in Summit, N.J., my hometown, may cast some light on such fears.

Chemical Financial Corp. of Midland, Mich., announced Monday that its fourth-quarter earnings rose 5.9%, to $14.4 million. Diluted earnings per share were 54 cents, 5.6% more than a year earlier.

Sterling Financial Corp. of Spokane said Monday that fourth-quarter earnings jumped 72% from a year earlier, to $15.5 million. Earnings for all of 2004 rose 60%, to $56 million.