1Tim Critchfield, Tyler Davis, Lee Davison, Heather Gratton, George Hanc, and Katherine Samolyk, Community Banks: Their Recent Past, Current Performance,and Future Prospects, Federal Deposit Insurance Corporation Banking Review 2004, VOLUME 16, NO. 3.
2Seventh Annual Community Bank Competitiveness Survey, ABA Banking Journal(2003).
3Third Annual Community Bank Competitiveness Surveys, ABA BankingJournal(1999).