Even though the site selection process is a bit off in the future, we feel the old high school, because of its in-town location, meets our needs better than any other site we've looked at.

We, like Carol (O'Donnell), think we can work in concert with each other.

Studies have shown that regulatory burden and compliance is one of the most significant costs to a small bank, substantially more than anything other than your payroll.

Without Annette, we wouldn't be as good as we are today, which is pretty good. A small company like she is, we relate to them. What is valuable about Annette is that you get the expertise of a large company for the price of a local firm.

We just want to be remembered before something is set in stone.