Be very careful with this bank. According to the latest quarterly (2Q 2009) balance sheet FSNM has an NPA to total assets ratio of 8.05%. NPA = non-performing assets. There is no small bank that I know of(i.e. not too big too fail per US Government such as Citigroup or Bank of America) that has survived in the last 30 years that had a ratio of 10% or greater. Since the losses are expected to continue the survival of FSNM may be in doubt. Always do your homework before investing in any security. Full Disclosure: I do not own nor am short FSNM stock.