ROSWELL, Ga. -- James H. Powell likes to press the flesh and chat with customers at a local deli. the conversation sauntering with the ease of his Georgia drawl from the hot weather to how business is.

He doesn't cut the figure of a turnaround artist -- a man who slashed his staff by a third, excised $5 million in nonperforming assets, and revamped an organization that was run more like a favor bank than a community bank.

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