Some people talk about the "Wal-Mart-ization of banking," but Texan Joe Long wants to put a little banking into Wal-Mart.

Since 1994, the 67-year-old chief executive officer of First State Bank has opened 27 branches in Wal-Mart and Kmart superstores across the Lone Star State. In the process, he's busted common notions of what a community bank is and, he hopes, prepared his bank for the future.

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