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<br /> statement cutoff date of the last day of the month, and there was <br /> no response. <br /> I still believe that the package was more than we needed and is <br /> more difficult to analyze. However, I don't know how victoria <br /> Bank would react to us going out for proposals again, because <br /> obviously they put a great deal of effort and time into <br /> responding. If Victoria decided they would not care to re-submit, <br /> and since NCNB has declined altogether, we would be left with <br /> state Bank, and if they had reasons for declining other than those <br /> expressed we could be without a bank. <br /> If I had been in on this proj ect from the beginning, I would have <br /> handled it differently. We should have had a brief and concise <br /> application, addressing our needs only. If we decide to go out for <br /> proposals again, I believe we should call victoria and feel them out as <br /> to what their reaction will be. Wayne Moore communicates well with <br /> Handler smith, so I would suggest he visit or call Mr. smith. Please <br /> let me know your feelings regarding this matter. Thanks. <br />