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New Community Bank Formation and Merger Consolidation

1998 1997 1996 1995 1994

New Banks chartered (1) 192 186 140 101 41

Banks absorbed by mergers 436 447 444 453 466

Source: American Banker, a Thomson Financial Co., and Sheshunoff Information Services, a Thomson Financial Co. Criteria: (1) Assets less than $2 billion as of year end and (2) Deals completed during year in which seller had less than $2 billion in assets. ===

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