We're in a narrow niche market. Our business model works. There's lots of local competition, but no one is organized on a national basis like we are. " -J. SCOTT SPIKER, FIRST COMMAND FINANCIAL SERVICES independentbanker.org IBmag.org ICBA IndependentBanker 17 PHOTOS: AGGIE BROOKShttp://www.qmags.com/clickthrough.asp?url=www.independentbanker.org&id=20378&adid=P17E1