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Chicago Fed Letter, No. 189a, May 2003
Whither the Community Bank? A Conference Summary (Special Issue)

Despite the storied advantages of the community bank business model—at generating local market information, at building personal financial relationships, at lending to small businesses—the numbers and market shares of community banks continue to decline in the U.S. A recent conference at the Chicago Fed brought together small bankers, government regulators and research economists to consider the viability of the community banking model in the information age. 

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