I live in Holmes County, about 20 miles from Wooster. I've been a customer for many years, and have always been happy with the bank, but then I'm not much of a customer - just have a checking account.
Investing in anything financial these days is a crap shoot. Banks, insurance companies, REIT's, etc. Who knows where it's all going to end up. So far, the markets have been voting "no confidence" in the Obama programs. But we're probably due for a little rally in this bear market.
I've been watching this stock for years, being a customer, but fortunately never bought any. Last trade, as I type, was for $6, and probably headed lower. I don't see any insiders buying. Also, the wide spread between bid and asked on this stock is always scary.