GREENDALE, Wis. - Michael Murry gropes behind the seat of his forest-green Ford Explorer and grabs a briefcase. "Don't be nervous; I do this all the time," he says, rifling the attache on his lap as he corners a turn.

"Here it is; I've got it," proclaims the chief executive of Merchants and Manufacturers Bancorp, waving a sheaf of papers.

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