... URL: http://www.thebhc.org/publications/BEHonline/2011/wright.pdf Governance and the Success of U. S. Community Banks, 1790-2010: Mutual Savings Banks, Local Commercial Banks, and the Merchants ... Lockard, Banks, Insider Lending, and Industries of the Connecticut River Valley of Massachusetts, 1813-1860” (Ph.D. diss., University of Massachusetts, 2000); Ta-Chen Wang, “Courts, Banks, and Credit ... Merchants Bank of New Bedford, Massachusetts, was led by able men with the same general interests as those of the community they served. The stockholders saw to that. The Merchants (National) Bank...