I live where this bank started, in fact I'm 1/2 mile from their Corp office. Over the last 30 years I've watched them grow and expand. It is a very well run bank. Exposure to the housing and comm'l bubble never happened, since the elevation in housing and real estate prices never occured in Western NY. They are booming with good solid loans, practices, and deposits. Over the last 6 months, I've been saying what Cramer said..they are going to turn into one of the greatest US banks. They are in a real big sweet spot right now, buying banks on the cheap that will be profiting them very shortly.