Just like their big-bank brethren, keeping customers' personal information safe is the top concern for most community bankers, according to a survey conducted by the Independent Community Bankers of America. Of nearly 1,300 respondents - 50 percent of which came from the Midwest - just over 80 percent listed customer safety as a top concern over the next 24 months.

It stands to reason then that 57 percent of respondents said they plan to increase IT spending on security and 51 percent said they would increase spending for fraud detection. Nearly 50 percent of banks had increased their tech budget in 2008.

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