At the end of the day, we offer the same products as other banks. But how you offer them and how quickly you can get those out to the marketplace can be a big differentiator. " -RICK BEALL, PEOPLES STATE BANK independentbanker.org IBmag.org _______________ ICBA IndependentBanker 23 PHOTOS: BEN GUMERINGERhttp://www.qmags.com/clickthrough.asp?url=www.independentbanker.IBmag.org&id=20215&adid=P23E1