Banking lawyers are reading too much into a bank insurance sales decision that the Office of the Comptroller of the Currency released last month, according to the agency's chief counsel.

Julie L. Williams said that though National Bank of Commerce of Mississippi in Starkville was given permission to acquire two insurance agencies in towns with more than 5,000 people, the $780 million-asset bank must move them to smaller towns within two years. "They're not given any open-ended new treatment," she said. The bank must "conform or divest."

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