Atlanta's (outside the perimeter) rapid growth over the past 20 years are about to catch up with it. The "clean-air act" has basically put a stop to all new road construction. The folks (local governments) outside the loop are doing their best to stop the growth and they have been successful and will continue to be so with their new friend (federal government). Most of the jobs are inside the loop and my feeling is most consumers bank downtown because that is where the branch networks are. Atlanta residents have the second longest commute time in the US (behind LA) so there is no time to do your "hometown banking" unless you go to a grocery store, and BB&T has told us that they tried that concept in the past and it did not work well for them. Alternative delivery systems (PC banking, phone banking, etc..) are becoming more popular, but FTU found out that folks like dealing with the real thing. The growth is coming back downtown (rather inside I-285) because people are tired of spending 1-2 hours in a car. RE prices are going through the roof.