LOUISVILLE, Ky. - In the heart of Kentucky horse country, George Freibert is trying to mold his consulting firm into a thoroughbred.

Since its founding here in 1978, Mr. Freibert's company, Professional Bank Services, has rarely stayed static. Internal auditing and software production experiments have come and gone. The mergers and acquisitions department and the training and seminar planners are busier than ever, Mr. Freibert said. And the firm opened three new offices this year.

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