Did anyone listen to the conference call that MTB had today? We did and they seem to be OK there were alot of questions regarding HCBK & the merger.They reiterated that both parties were anxious to continue the merger & seemed to indicate that it would go thru. The problems seem to be with MTB's procedures re: money laundering etc. and since they don't have international transactions etc they just have to get their act together. Seems like there are more and more regulations these banks have to comply with and it is a pain in the neck. The procedures they have shown the regulators don't appear to meet the rules I guess. Anyone attending the stockholders meeting? We voted no on the merger and feel that HCBK could do much better.