CARSON, Va. - In this sleepy railroad town (population: 200), the Bank of Southside Virginia keeps doing what it does best-making money hand over fist.

Since being formed by a merger in 1933, the bank has turned in steadily increasing profits. And 1992 is no exception. "We're having a banner year," says John H. Clements, who heads the bank, as his father and grandfather did before him.

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