Community banker James S. "Chip" Mahan set out this year to prove that "virtual banking" is no oxymoron.

A devotee of the Internet, the chairman of $650 million-asset Cardinal Bancshares in Lexington, Ky., was not content pursuing the usual run of new business opportunities through branching or customer calls. He sees his future in cyberspace, and he travels the globe - he spent half this month in Australia and Japan - spreading the word to other bankers.

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