Article: American banking with an Asian twist. (Citizens Security Bank; Guam)(includes related article on the application of federal interstate branching law in Guam)

Daniel Webb has worked in American banking for 30 years. But lately it has seemed like a different world.

Since 1992, Mr. Webb has run start-up Citizens Security Bank, one of just three locally based community banks on the western Pacific island territory of Guam.

"You have the opportunity to experience an international environment without having to learn a foreign language, deal in foreign currency, or learn foreign laws," said the 51-year-old native Californian.

Guam and its capital, Agana, where Citizens Security is based, are located more than 3,700 miles southwest of Hawaii and 6,000 miles west of San Francisco. The territory's people, culture, ...

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