For a bank with Internet aspirations, Los Alamos National Bank had everything going for it: a small, self-contained community with an upscale, educated, truly wired population that included the bank's true-believer president.

The bank's road to the Web, however, has been about as rocky as its mountainous New Mexico terrain. It offers a cautionary tale for others among the hundreds or thousands of U.S. banks setting Internet strategies.

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