Article: S & L survivors beat bottom line. (Arkansas' remaining 19 savings and loan institutions)

New Ozark Institution Rises to Join 18 Profitable Thrifts

EVEN THE BANK REGUlators can't recall the last time a new savings and loan was chartered in Arkansas. That's what Larry Owen discovered when he and other investors began forming River Valley Savings Bank in Ozark more than 18 months ago.

The "de novo" institution was capitalized with $2.2 million and opened for business July 3. River Valley executives expect to report total assets of about $6 million for the quarter ending Sept. 30.

More importantly, the S&L will even show a small profit out of the chute, a nice accomplishment considering the high front-end cost of a start-up financial ...

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