NORTH ANDOVER, Mass. - Banker Jane Walsh doesn't believe in branches. That's good, because any branch of her Northmark Bank would be a letdown compared with the stately Victorian mansion that doubles as its main office.

Upon entering Northmark, one has the impression of walking into the house of a rich aunt. The red brick, three-story home's entryway is bathed in natural light that streams through floor-to-ceiling windows. Fresh flowers are set on an antique table, Oriental rugs abound. Not until you turn the corner, and see a quiet trio of old-style teller windows, is there any evidence of this being a commercial bank.

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