WICHITA, Kan. - Between Hutchinson and Kingman, Kan., Gary L. Baugh, president of Railroad Savings Bank, powers his 1992 Bonneville on a stretch of highway that's as flat as a tabletop.

Three times a year, the 52-year-old Mr. Baugh burns up the roadways to check in with Railroad's 80 "agents." They are paid a commission by the thrift to scour the state's smallest towns for deposits and loans, allowing Railroad to avoid setting up branches.

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