In 1980, Kenneth Heiser figured he needed two things -- well-trained people and a market to turn them loose on -- to transform the sleepy First National Bank of Hudson into a microcosm of his theories on total quality management and economic development.

It took him 12 years, but he thinks he's finally done it, first by training and generously rewarding his small staff, and second by turning First National, a community bank in the western Wisconsin town of Hudson, a bedroom community to St. Paul, into an economic development tool.

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