Once upon a time, not many years ago, there lived a bright, forward- thinking state community bankers association executive who had a bright, forward-thinking executive committee.

They had a dilemma: "How can we fight against the large banks from the major cities who are coming into our state and competing head-to- head against our banks in many locations with their efficiency and new services and with their ability to serve their customers equally well at any branch they own?"

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