Foreclosures and OREO is whipping many banks these days. As you know, banking and financial services is a tough business even in the best of times. In my opinion, VIST is on the ropes. I don't see them going out of business or becoming insolvant. However, management and the Board have demonstrated for some time now via their financial performance and poor execution of their strategic initiatives that they are over their heads. More importantly, there is still no clear strategy for enhancing shareholder value and execution of their current business plan, including deposit growth, has been meager at best. The best VIST could hope for would be to merge with a financially stronger institution more capable of dealing wiith today's challenges. If not, someone will come knocking sooner rather than later and force a less desirable outcome.