Recognizing the importance of technology at his tiny bank -- and his own ignorance of the topic - earlier this year David Nosbisch hired a full-time computer guru. "Banking tomorrow is going to be computer-based, and if I don't understand computers, I need someone who does," said Mr. Nosbisch, president of Durand State Bank, Durand, Ill., which has $34 million in deposits.

As technology becomes more affordable, even the smallest community banks must determine how to make the most of their options.

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