In recent months Congress, the Obama administration, regulators and the news media have rightfully joined the chorus of state regulators praising community banks for their role in stabilizing the financial services industry and the economy as a whole.

In good times and bad, the community banking system sparks economic development in towns and cities across the nation and stimulates the nation's economy. But what these new community bank advocates fail to discuss is the correlation between the state banking system and community banking.

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