Without the partnership that Community Bank of Tri-County has with the Federal Home Loan Bank of Atlanta our ability to compete and survive as a community bank would be problematic at best.

As a $193 million-asset community bank we have come to realize that deposit funding can no longer be counted on as a viable resource to meet rising loan demand. Although we still have toasters in the supply room, they no longer attract deposits. This same realization is unfolding in other parts of the country as well.

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