Robert L. McCormick is so sure about his bank's ability to compete in two chosen specialties - student lending and affinity credit cards - that he doesn't think twice about going toe to toe with institutions much larger than his own.

"We think of ourselves as a community bank," said Mr. McCormick, 50, president and chief executive officer of $411 million-asset Stillwater National Bank and Trust Co. in Oklahoma. "But you're going to have to really redefine what a community bank is if things keep going the way they are."

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