I am selling my CBSH stock today because of changes that I have learned about in the way the bank does business. They have long prided themselves on being a super-community bank with their platform and decision making hierarchy. The larger markets (KC, STL, Columbia)have been utilizing a centralized decision making process for commercial loans. This platform will be rolled out to all of their smaller markets very soon. This platform has not worked for the other banks in our area (BOA, US BANK, etc)and will result in runoff of small business to local community banks.