They get lots of calls from bankers who say they wish they could do the same, but Oklahoma's two deposit-insurance dropouts appear destined to remain curiosities, not trendsetters.

Few other states allow banks or thrifts to forgo federal deposit insurance coverage. And so far, according to the FDIC, no one in any state has made a move to follow in the footsteps of Burton L. Mann and Alvin C. Harrell.

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