I walked into City National Bank, Newark, N.J.'s $75 millionset minority bank, with a slight ip on my shoulder. But Louis E. Prezeau, the Haitian-born accounnt who is president and chief ecutive, quickly removed that lip with his first response to my testions.

"Why do we need a minority bank? Because of limited capital and resources, minority banks can't provide more credit to minority people than a well-run community bank of any type could, as long as the officers who lend do not show prejudice. And often, with their vast resources, a major establishment bank can lend more," I suggested.

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