John H. Colvin keeps a close eye on the "trinkets."

That's what Mr. Colvin, president of North Salem (Ind.) State Bank, calls the sophisticated, pricey farm machinery that often dazzles younger farmers and sends them to the bank for larger loans. While Mr. Colvin said he believes most young farmers are financially savvy, the banking veteran said he still sometimes must steer them away from buying, say, a $210,000 combine.

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