J. Stillwell is a holder of this institution and so is Wesbanco. You can believe that Stillwell will be heard and the institution will be merged if better profits are not attained. Fidelity Bancorp in Pittsburgh PA also had an approximate 5% of the shares held by Stillwell and was reeling from a loss - now it is part of Wesbanco. Is this the next possible take over for Wesbanco? I think so. What do you think?