HONOLULU, Hawaii - Wilfred J. Cross, president of First National Bank of Oblong, Ill., says he knows just what to do with the money saved from reduced deposit-insurance premiums. The bank will give it to shareholders in the form of dividends.

Thomas D. Wilson, a director with Prairie Security Bank, Yelm, Wash., is going to tell the president of the institution to put the money "in the vault" - and then back into the economy in the form of loans.

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