When local banks merge with out-of-town giants, the spotlight tends to shine more brightly on the community banks that remain.

Regulators are sure to pay a visit to make sure that the local bank can handle all the extra business likely to flow in from people disillusioned with big-bank service. They will see if the local bank has the capital and resources to handle an increase in loan volume. And they will make sure that it can provide the service that will be demanded of it.

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