Now that Robert P. Keller is selling New Dartmouth Bank, which he built out of S&L failures in and around Manchester, N.H., a shadow has fallen over the state's small banks.

Back on Oct. 10, 1991 -- when Mr. Keller unveiled his deal to establish New Dartmouth out of three savings banks -- seven of the state's banks were shut; 23 others eventually would disappear in consolidations.

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