MBH, I totally understand what you are saying. I am familiar with the market area of First Federal Savings and Loan Association of Greene County. Greene County is in the far deep southwest corner of PA, bordered on two sides by West Virginia, and is very rural. It is far enough away from Allegheny county to not bear any real resemblance, and Allegheny county is also largely overbanked, being headquarters to a fair number of community banks, several larger regionals, and a little bank called PNC.