Correct assessment of F&M. All their banks share a common core system, and fair degree of uniformity. Ability to eliminate the current duplicated functions (by combining the local banks into one) should provide some immediate savings to offset cost of conversion, though. First VA is much the same. Candidates available that offer any significant presence in VA is shrinking fast. Would BB&T want to stray away from their "preferred" target profile to get the market area(s) they need to fill in the holes?