Out-of-state regionals have picked off the largest Florida thrifts-all in the Miami area - one by one in the past year, leaving the independent survivors fighting for customers in a dramatically changed market.

Five of the 10 largest thrifts in the state, ranging in size from $1 billion to $4.5 billion, were acquired in the past 12 months. A sixth, Home Savings Bank, has hung up a "for sale" sign.

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