The last time Bradford Bank in Baltimore tried to go public it had growth in mind, but this time its proposed conversion is more about pumping up capital to satisfy regulators.

In two months Midwest Banc Holdings Inc. in Melrose Park, Ill., has gone from a company with big growth plans to one that may not be able to survive on its own.

Community Bank System Inc. of Dewitt, N.Y., said Wednesday that it has raised $52.5 million in a public stock offering.

NEW ENGLAND

Third Federal Savings and Loan Association in Cleveland opened a branch in Broward County, Fla., this week and said it plans to open three more in the county early next year.

Berkshire Hills Bancorp Inc. in Pittsfield, Mass., is selling up to $30 million of common stock.

Horizon Bancorp of Michigan City, Ind., expects to report a 42% decline in third-quarter earnings from a year earlier, to $1.3 million, as a result of a significant increase in its provision for loan losses.

Whitney Holding Co. of New Orleans announced Tuesday that it expects to report a third-quarter profit of $6 million to $8 million, or 10 cents to 12 cents a share, which would be well below analysts' estimates.

Capital has been hard to come by for many banking companies, but that is not dimming the optimism of several former executives from Signet Banking Corp. for a significant start-up effort in their Virginia environs.

During the past three years, First State Bancorp. in Albuquerque grew aggressively: It bought three banks, two in New Mexico and one in Colorado, and its asset size rose 70%, to $3.5 billion.

Shares of StellarOne Financial Corp. fell sharply Tuesday after the Charlottesville, Va., company said chargeoffs and nonperforming assets roughly doubled in the third quarter from three months earlier.

Citing the weak market for financial stocks, Bank of Granite Corp. in Granite Falls, N.C., said Tuesday that it is abandoning a 5-for-4 stock split that had been scheduled for later this month.

Banking companies that do not need capital are having the easiest time raising it, and in some instances they are raking in far more than they initially requested.

A federal appeals court has affirmed a lower court's ruling awarding SunTrust Banks Inc. $30.6 million of damages from the U.S. government in a case dating to the height of the savings and loan crisis.

United Community Banks Inc. in Blairsville, Ga., said Monday that it expects to report a third-quarter loss of about $40 million, or 84 cents a share, as it continues to work through problem loans to home builders.

Another LaSalle Bank Corp. executive has landed at Taylor Capital Corp.

Washington Trust Bancorp Inc. in Westerly, R.I., is raising $50 million of capital to expand its commercial and wealth management businesses.

Adams National Bank in Washington has an agreement with the Office of the Comptroller of Currency to boost its capital, assess its senior management team, and improve the monitoring of its loans.

New numbers from the Small Business Administration give hard evidence about the toll of the credit crunch and show it was especially harsh the past two months.