It really is gloomy where Gary Fox does business. His Bartow County Bank is based in Cartersville, Ga., about 40 miles north of hard-hit Atlanta, and banks in the area are getting hammered, he says. The $427.4 million-assets bank, founded 35 years ago, has its own share of challenges. "In our area, lending's pretty well ceased," said Fox, president and CEO. "Banks are trying to run customers off. Everyday I have people come in my bank saying, 'I've never missed a payment, but so-and-so bank wants me to move all my loans.' And it's strictly because of the risk-based capital standards. The banks are trying to get their capital levels up."
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