EL DORADO, Kan. - The main drag of this windswept oil town would be any community banker's nightmare: A two-block stretch hosts branches of First Bank System Inc., Fourth Financial Corp., and Commerce Bancshares.

But for Richard Pottorff, chief executive of Mid Continent Federal Savings Bank, the recent spate of acquisitions that has left El Dorado looking like some big-city banking center is merely the latest in a series of competitive and regulatory challenges to be overcome.

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