Fan may be right about the rumors--they are probably incorrect unfortunately for most stockholders. But he is wrong about the community bank model. How can you call BB&T, the tenth largest bank holding company in the country, a small to medium sized bank?? There are 9,000 insured banks and thrifts in the country and the medium size is about $200 million. Neither BB&T nor its subsidiary banks is even close to being medium sized! I don't think BB&T can compete with the community banks anymore. They need to take advantage of their size and consolidate their operations and banks.