1Avery. R. , R. Bostic, P. Calem, and G. Canner, 1997, "Changes in the distribution of banking offices, " Federal Reserve Bulletin, September, pp. 707-725
2Bain, J. , 1951, "Relation of the profit rate to industry concentration: American manufacturing. 1936-1940."Quarterly Journal ofEconomics, Vol. 65. pp. 293-324.
3Carhon, D.. andJ. Perloff, 1989, Modern Industrial Organization, Glenview, IL: Scott Foresman/Little, Brown.
4Berger, A. , and T. Hannan, 1989, "The price-concentration relationship inbanking, " Review of Economics and Statistics, Vol. 71, May, pp. 291 - 299.
5Jackson, W. , Ⅲ 1997, "Market structure and the speed of adjustment: Evidence of nonmonotonicity, " Reviewof IndustrialOrganization, Vol. 12, February, pp. 37-57.
6Nicola Cetorelli, 1999, "Competitive analysis in banking: Appraisal of the methodologies" ,Federal Reserve Bank of Chicago, Economic Perspectives, First Quarter, pp. 2 - 15.
