Yadkin Valley Financial Corp. has benefited from a serendipitous turn of events.

Shortly after it bought American Community Bancshares Inc. in April, the $2 billion-asset Yadkin Valley said it was not counting on American getting any government capital. Such funds hadn't been a motivation for the deal between the North Carolina banks, which was announced in September 2008, the month before the Troubled Asset Relief Program was created.

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