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.

Limited Time Offer

Save $400 off your subscription. Special offer ends April 30, 2017.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.