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Time for Heritage to take some bold action ... or start selling fish sandwiches out the drive-in window at Ocean View.
There's a lot more potential for growth at Virginia Beach before going to Chesapeake. No matter what the demographic studies say, when is the last time you heard someone say they moved from Norfolk to Chesapeake? It's always the Beach!
"No bad loans" means ... problems with counterfeit cash and money orders are minimal.