I was asking you those questions because that might be why you aren't affected as much as some people with counties online and companies doing it themselves.  I graduated from Webster Groves High School out in the county and have been in Texas since a little after that.  My uncle's banks are Rockwood Bank, an independent - he has one in Eureka, Fenton & Highridge and they are opening their fourth bank soon.  I just looked at his website and he actually has a little more gray hair then the last time I saw him - and he is actually only about 6-8 years older than I am if that - my mother (his sister) is like 15 years older than him.