By Jim Miller

With due respect to Charles Dickens, this might have been titled "Great Expectations." The expectations of De Novo bank investors are not just of the monetary sort. There is a qualitative element also. There is a feeling of participating and owning a part of a new business in the community that will be beneficial to the total local economy. An investor can walk down the street and into the bank, talk with management, meet friends and network for their business all in the same place. How is their bank doing? They can not only read the published financials released by the bank under the auspices of Governmental review but they can simply ask management how it is going. The community bank becomes a focal point of the local economy and investors in that bank have the opportunity to enhance their profile financially and as a member of the shareholder group.

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