2De Young R,Duffy D, "The Challenges Facing Community Banks:In Their Own Words", Federal Re- serve Bank of Chicago Economic Perspectives 26, 2004.
3Ergungor O, "Community Banks as Small Business Lenders:The Tough Road Ahead" , Working Paper 02-03, Federal Reserve Bank of Cleveland, 2002.
4Keeton W,Harvey J,Willis P, "The Role of Com- munity Banks in the U.S.Economy",Federal Reserve Bank of Kansas City Economic Review, 2003.
5BergerA N,Harsan I,KlapperL F, "Further Evidence on the Link between Finance and Growth: An Interna- tional Analysis of Community Banking and Economic Performance" ,Journal of Financial Services Research (Kluwer Academic Publishers),2004.
1De Young R, Duffy D, "The Challenges Facing Community Banks: In Their Own Words", Federal Keserve Bank ot umcago & conomic Perspectives 26, 2004.
2Ergungor 0," Community Banks as Small Business Lenders: The Tough Road Ahead" ,Working Paper 02 -03,Federal Reserve Bank of Cleveland, 2002.
3Keeton W, Harvey J, Willis P,"The Role of Communit Banks in the U. S. Economy" ,Federal Reserve Bank of Kansas City E- conomic Review, 2003.
4BergerA N, Harsan I, Klapper L F," Further Evidence on the Link between Finance and Growth: An International Analysis of Community Banking and Economic Performance" ,Journal of Financial Services Research( Kluwer Academic Publishers) ,2004.
