What's-- what do you-- factors do you think are driving your ability to generate organic growth in your markets and keep that share up versus acquisition?

acquisition?We've done a couple of things when we first started out.

First of all, I had a clean slate 'cause there really wasn't much here.

[laughs] We had the ability to build out different product offerings, build out the systems capability.

We stayed true to committing ourselves to a culture, a culture that cares, a culture that's embedded in the community.

When we built out the verticals, both wholesale and consumer verticals within the bank, we focused on making sure that we had people that had connectivity to the markets that we served.

We came up with a, basically a prototype for managing the bank across a broader footprint, and we used that to drive our expansion.

That was the initial clicks to brick strategy