It strikes a balance. It's conservation, economic development, and, of course, it works for us.

We have heard many constructive proposals; we will incorporate as many as we can in our new plan and still accomplish our needs of the business.

It's a big undertaking. When we unveil it, we want it to be done right.

We'd like to take credit for the changes [in the concept plan], but we really can't because the changes came from what we heard from hundreds and hundreds of people.

I see us on the threshold of a great economic boom in most of our markets. I see our balance sheet growing. I see viable loans grow. I see customers who have taken it on the chin get right back up and are going to work.

We have good balance; we don't have to depend on a star player to carry us.