Cover Story 1A Sales Culture:ASurvival Strategy Does your bank have a culture that encourages selling at every level?

Marketing 4A Taking On Big Invaders With Ads That Sting Community banks have taken direct shots at big bank competition that would have been unthinkable a decade ago.

Technology 6A Call Centers No Longer a Luxury Improving customer service and bolstering sales programs are driving banks of all sizes into investing in a call center.

Management 10A New Priority: Adopting a Privacy Policy Lenders must not only adopt a policy but also let their customers know what it is.

Small Business 16A Offering 401(k) Plans Smoothed by Outsourcing Community banks are considering becoming providers usually a role for insurance and mutual fund companies.

Agriculture 20A As Ag Loans Get Bigger, Small Banks Turn to Loan Sharing Current lending limits meet the needs of most customers, bankers say, but that will change if consolidation trends continue.

Regulation 22A Plan to End Pooling-of-Interests Accounting Will Impact Merger Plans The Financial Accounting Standards Board has sent a chill through the banking industry.

Human Resources 23A Planning to Retire as CEO? Start Succession Planning Early Even the smallest community banks can ensure a seamless management change.

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