We're just changing the name to better reflect the wider array of the services they perform.

I can see changing the name from Carol's Linens to Sophie's Linens,

New services reflect the changing demographics of bank customers and banks' are adopting new strategies for retaining core deposits. The first baby boomers will turn 65 in 2011, and by 2030, one in five Americans is expected to be 65 or older. Add the trend toward increased equity ownership, and it's hardly surprising that more than half of the bankers expect to offer brokerage services (61%) and half will offer mutual funds (50%) in the next three years.

So we think we are real fortunate in our region to have developed this array of services and to be able to help people.

If we get a better interest rate, great. If we get a lower interest rate or a worse interest rate, we will have to cut back on the number a little bit but we've got some flexibility built in with that.

What we have now is basically $68 million worth of projects that were recommended. Most of them were streets and there were a few million dollars for the jail.