Article: In Idaho, a start-up with a difference: no organizer has banking experience.(proposed Magic Valley Bank of Twin Falls, Idaho)

Daybreak finds Ronald Jones already plowing through his work.

But the organizer and proposed chairman of Magic Valley Bank is doing so from six feet above the ground. For on this crisp Idaho morning, as the sun rises over nearby Twin Falls, Mr. Jones is behind the wheel of a 12-ton Case Ferguson combine, overseeing a hearty barley crop destined for the Coors Brewing Co.

Mr. Jones has worn many hats: farmer, software entrepreneur, international agricultural ambassador. Now he says he could be of most use as Twin Falls' local banker.

"We think we can make a go of it here," Mr. Jones said. "We've had some very strong locally owned banks here in the past, ...

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