CANDO, N.D. -- Terry J. Jorde doesn't worry about beating the competition as much as working with it.

"We have to be all things to all people in a rural area," said Ms. Jorde, president and chief executive officer of Cando-based Towner County State Bank. "That is hard to do with 12 employees. The solution is working with other community banks through loan partnerships and other state programs to provide service to the community effectively."

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