11.   Businesses are pitching in money and manpower to build schools and hospitals, promote anti-drug campaigns, educate street children, and open community banks.

12.   But change will come because of new technologies and the growth of alternatives, such as non-profit credit unions and small community banks.

13.   But many lawmakers also have strong ties to community banks, which generally oppose the bill.

14.   But there are banks, especially smaller community banks, that are willing to make these loans.

15.   But they do have choices, including credit unions and community banks.

16.   Charlotte, North Carolina-based First Union in the past decade has grown from a tiny community bank to become the sixth-largest U.S. commercial bank.

17.   Community development banks and credit unions provide regular services such as savings and checking accounts, credit cards and certificates of deposit, all at competitive rates.

18.   Community banks can survive by finding a niche and serving their customers better than the behemoths.

19.   Community banks will be able to offer credit cards in conjunction with the new subsidiary of IBAA Bancard, TCM Bank N.A.

20.   Community banks and credit unions use money put up by depositors to provide services and low-interest loans to businesses, residents and nonprofits in needy neighborhoods.