Expansion-minded banker Robert W. Minnick Jr. has made his peace with the outsourcing question, one that other acquisitive community bankers across the country will have to answer as more small-town banks expand their horizons.

"When I'm sitting here looking at reports of newly acquired banks 50 miles away, trying to blend them together, well it just doesn't work," said Mr. Minnick, president and chief executive of Evergreen Bancshares in Tallahassee, Fla.

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