Article: Darkness before dawn: economic forces that mauled major banks still stalk those that aren't too big to fail.(COVER STORY)

As the U.S. financial system staggered to the brink of collapse last September, Buddy Greenwood watched events unfold with growing concern. As CEO of Weststar Financial Services Inc., he runs its sole subsidiary, Bank of Asheville. This BofA little resembles the behemoth a two-hour drive away in Charlotte. It occupies the bottom floor of a three-story building on the outskirts of an eccentric mountain metropolis, not a preening 60-story tower in the heart of what was then the nation's second-largest financial hub. Bank of Asheville would have to see its $203 million in assets grow 8,993 times to match Bank of America Corp.'s. When his iconic New York brokerage stared death ...

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