21.   Comstock said the chartered community banks also rely heavily upon religious groups for funding.

22.   David Currie, a business school professor at Rollins College in Winter Park, Florida, prefers doing business with a community banks.

23.   Does buying shares in a new community bank in your town make investing sense?

24.   Eighteen months ago, GlenFed began its conversion from a savings and loan to a community bank, which allows it to boost its commercial lending.

25.   Experts caution that such thefts are not likely to occur in community banks or small and midsize businesses, only large companies that transfer big sums of money.

26.   Fed up with poor service from banking behemoths, smaller companies are seeking financial solace with community banks.

27.   Finally, there are many community banks.

28.   For community banks which have thrived in the niches left by the big banks, it provides one more market opportunity.

29.   For example, community development banks and credit unions generally have few branches and ATMs.

30.   Fifty percent of the community banks in the survey said they will add ATMs of their own in the next five years.