To residents of this down-at-the-heels coal town, First National Bank of Keystone's sudden collapse Sept. 1 was almost as curious as its rise to national acclaim.

Circumstances surrounding the $1.1 billion-asset bank's demise remain blurry. Regulators allege massive fraud and claim half the bank's assets are missing. The bank's officers deny any wrongdoing, and beyond that are saving their explanations for the grand jury.

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