Everyone in the banking industry these days talks about how much things have changed in the last 15 years. If you want to see the transformation of community banking during that period, there may be no better place to look than Indiana, Pa.

The town of about 15,000, located in coal country 60 miles east of Pittsburgh, claims actor Jimmy Stewart as its favorite son. Indiana is also home to $1.3 billion-asset S&T Bancorp, among the highest performing and most efficient banks of its size in the nation.

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