51.   Overlapping outlets were sold in one lot not to community banks but to UST, which qualified on the strength of its commercial lending practice.

52.   Roberson has been at the church for six years and started a community food bank there.

53.   Seeking to retain its customers, who favor the individualized approach characteristic of community banks, Peoples Heritage will not consolidate its branches under one name.

54.   Since both community banks primarily serve the small-business lending market, the higher loan cap strengthens their business potential.

55.   Small community banks such as Community First are snapping up these rural branches to gain customers and deposits.

56.   She said credit unions are the most intense competition facing small community banks.

57.   Some could migrate to the community banks that have been popping up all over metro Atlanta.

58.   Some analysts say public disgust with poor service and high fees alone are not enough to spur the creation of a new community bank.

59.   Some investors think investing in community development banks, credit unions and loan funds has a more tangible benefit.

60.   Some smaller community banks complained they were shortchanged in the distribution, and the mint recently launched a new distribution directly to them.