After Chappell hill bank was robbed early last year, CEO Edward Smith took down the large "no firearms" warning in front of the Texas bank's lone branch and put up a new sign, encouraging customers to carry licensed concealed weapons inside. The $24 million-asset bank also pays employees to take a concealed firearms course.

"I've got seven women in teller cages who are licensed to carry a firearm," Smith says. "I wouldn't try to rob them."

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