We could have sold that property and made a lot of money, selling it to some distribution center that would just mean a lot of trucks going in and out.

My granddaddy was Man of the Year for Agriculture in 1950 for the whole county. He blended the socialism from his parents with capitalism.

He could have owned the thing outright. But he didn't. He went door to door and sold shares so the community could share in the bank and own a part of it.

We are a community-minded family. We were raised to give back.

Buyers now don't have to put money down on the first house they see. They can be more selective.

It's the lure of easy money, It's got a very strong appeal.