WILMINGTON, Del. -- In 1931, the cover of Artisans' Savings Bank's annual report said: "Thrift is the foundation of all human happiness."

That may sound more like the opening of a philosophical discourse than a motto for a mutual savings banks with $306 million in assets. But chief executive Stephen G. Harris Jr. says it is the credo Artisans' lives by. "Thrift," he adds, "has made me happy."

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