CHARLOTTE, N. C. -- Worth Williamson spent most of the 1980s believing that his rapidly growing community bank could do no wrong.

"When all you have to do is open the door in the morning and business comes floating in, pretty soon you think it's because you're prettier than everybody else," says Mr. Williamson, president and chief executive of the $148.4 million asset First Charlotte Financial Corp. and its bank, First Charlotte Bank and Trust Co.

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