When one of the pioneering Internet banks, Salem Five Cents Savings, set up shop on the World Wide Web back in 1995, its sights were set far higher than on its Massachusetts market.

Four years later, the $980 million-asset thrift has 6,000 on-line-only customers from across the United States, and even a few in foreign countries. At a time when many community banks are strapped for new deposits from local sources, Salem Five has enjoyed healthy inflows.

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