Bankers know that the days are long gone when the offer of a free toaster or trading stamps would entice a housewife to open a savings account with cash from the sugar bowl. Today's customers are more demanding than ever before. They want it all - one-stop shopping, ease of doing business, personal service, low loan rates, high returns, financial planning, bill presentment, on-line services, 24-hour access, and on and on.

Facing these expectations, what can bankers do to separate themselves from the competition, remain profitable, and win their customers' loyalty? The answer lies in four critical areas: aggressive strategies, organizational integrity, corporate structure, and implementation of strategy.

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