Mark P. Reinemann First vice president, Firstar Corp., Milwaukee

Community banks have certain advantages over larger banks and vice versa. In general, community banks offer a less bureaucratic decision- making process and better customer access to bank management. Larger banks have the advantage of scale. Investments in technology are easier to justify with larger customer and employee bases. Larger banks can also better afford to employ specialists to focus on selling and servicing certain market segments and products.

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