31.   But analysts are quick to point out that the cards themselves may be enticement enough, especially for smaller banks that need to increase their profits.

32.   But not all of the debt was repaid because some smaller banks have been unwilling to extend their loans.

33.   But Robert Forbus, spokesman of the Independent Bankers Association of America, which represents smaller banks, said the report is not surprising.

34.   But smaller banks have less interest in going along with the plan, American bankers close to the talks say.

35.   But smaller international banks are balking, bankers close to the talks said.

36.   But smaller banks, which are hankering for a stab at the assets, might not want to jump up and dance just yet.

37.   But smaller local banks were more than happy to talk Monday.

38.   But smaller Canadian banks are balking, bankers close to the talks said.

39.   But the regulators pointed to some problems at smaller banks that bought structured notes, a type of derivative that pays interest according to often complicated schedules.

40.   Customers turned off by the megabanks, said Moynihan, often prefer the service and personal touch the smaller banks can offer.