The past is the past. The merger has been fully paid for by shareholders via price adjustment. fnfg will deliver in 2013 and increase dividend. Price will follow. Stop looking in the rear view mirror, the market looks ahead, not backward. The bleeding stops in 2012. The rewards begin in 2013. trust me.
Two more online banks recently started. No brick and mortar locations it's all done via the computer.If you need cash, go to any ATM they pay the fees.
It really concerns me about FNFG spending so much money on those locations can they ever make it pay.