[familyop]

"I work for one of the many independent community banks that refused to accept TARP funds due to control issues, thereby placing us at a competitive disadvantage."

I admire some of my local deposit banks, BTW. They concentrate on using real capital from smart, saving workers for real small projects and have some of the lowest risk ratings. They are not rich, but they are the only banks that should survive the times to come, IMO, and I'll enjoy working with them again this year. ;-)

[elkfersupper]

They are not rich, but they are the only banks that should survive the times to come, IMO, and I'll enjoy working with them again this year. ;-)

Check back later. The regulators are changing all of that.

I'm really starting to believe that our overlords want one (1) bank, which they and they alone control.