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<p>[QUOTE=&quot;scottishmoney, post: 1328455, member: 12789&quot;]My one bank opened in 1894 and has three branches.&nbsp; It is a rural agricultural bank with an emphasis on loans to farmers.&nbsp; The other opened as a National Bank in 1889 and has a whopping two branches - same emphasis on agricultural lending.&nbsp; Other than those two I deal with numerous credit unions that are all local.&nbsp; Believe me, there is a dramatic difference in the service I see and experience - and that which the rest of you experience with those Wall St. banks.[/QUOTE]</p><p><br /></p>

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