In 1986, Keystone Financial Inc. of Harrisburg, Pa., was created through the merger of three companies, each with about $1 billion 'in assets. Management then struggled with the building of a new "super community" culture.

Initially, the company elected not to drastically depart from the past. The three banks continued to run their businesses the way they used to and, even at the board level, a sense of competition was commonplace.

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