@JessicaLynn - You may be right about chain banking. Or maybe not. I know a lot of people are getting tired of the huge national banks. I wouldn't be surprised if we saw a resurgence of local banking in the next few years.
I think the whole concept between chain banking is interesting, either way. I imagine that chain banking isn't always easy. The way I understand it, banks involved in chain banking didn't start out that way. They began as independent banks and then a certain group of people managed to secure controlling shares in the bank. This sort of reminds me of a corporate takeover!
Just as corporate takeovers don't always go smoothly, I bet chain banking doesn't in the beginning either!