Silverado Bank , joined with Nevada Security Bank, which subsequently was closed by the FDIC. people much like myself took interest in finding a good home for these fallen banks, and allow them to continue to service their many years of customers. Umpqua Bank reached an agreement with each Bank to insure their customers were not bankrupt as they had become. my interest in Nevada Security Bank, and Silverdo Bank is a labor of affection as much as business. Umpqua Bank 'covered' these two fallen banks, however, a few of us put together capitol, enough to maintain a large voting interest with Umpqua Bank, in hopes that we will resurrect the other two smaller banks. What can we become if we only have that large conglomerates, with no chance of any competition?...I say diversify...