While Nationsbank quickly disposes of its own bad loans, Mr. McColl foresees another 10 years of good business opportunities for the Asset Management Resolution Company, a NCNB subsidiary specializing in managing bad loans that the Federal Government acquired from failed banks and savings institutions.

In my opinion it's not rational thinking to undermine 20 years of peace building, 20 years of developing democratic institutions, 20 years of respecting neighboring countries (Ethiopia and Djabouti), 20 years of fight terrorism and Piracy, in Somaliland.

If that happens, it would continue a trend established over the last year of large out-of-state institutions taking advantage of the troubled times in Texas and buying up many of the state's largest banking companies.