Gary Tolzmann is one of many bankers who believe Congress is not listening to the their side of the story in the credit union debate. But in Mr. Tolzmann's case, his senator is not reading either.

Mr. Tolzmann, president of Farmers Trust and Savings Bank in Spencer, Iowa, wrote recently to Sen. Tom Harkin to oppose a measure he had endorsed-HR 1151, which would ease membership restrictions on credit unions.

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