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Welcome to The State Bank, Fenton, Michigan. Just your typical 96-year-old, $205 million-asset, independent bank. Or is it? Step inside this bank and you enter a world of high-tech, electronic banking not found in most community banks today.

Inside The State Bank, the talk these days goes well beyond the traditional boundaries of community bank marketing and retail delivery services. Inside this bank, talk of debit cards, stored-value cards, telephone banking, interactive television and local electronic commerce networks is the norm, not the exception.

And they're beyond just talking high-tech at The State Bank; they're actually doing it.

Consider these high-tech …