Probably $25,000. Having said that, quite frankly, if someone walked through the door and applied for $10,000 to get a business off the ground, we'd take a look at it -- but it's not our stock in trade.

I'd say our average small-business loan is in the $150,000 area. We are, as far as I know, the only mutual savings bank with SBA preferred lender status, which allows you to evaluate a credit in-house, but you have to do the lending in some volume for that status. Last year, we did $29 million in SBA lending, and we've got a total of $143 million on the books.

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