In this tiny town about 75 miles southwest of Lincoln, the state capital, it's hard to separate the bank from the community: Bruning is not just the town's moniker, it's also the name of the only bank and its best-known banker.

Frank L. Bruning, president of Bruning State Bank and grandson of a founder of both town and bank, wears about as many hats as there are places in town where his surname is blazoned. But the modest, 71-year-old cattle rancher may be best known for building a complete financial services company from a $3 million-asset bank.

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