The real reason big banks want to take in small depositors' money has nothing to do with the effectiveness of a one-stop shop.

No,' said Junor, 'he was really a pretty small depositor, by our standards.

Through self-help groups the bank can serve small rural depositors while paying them a market rate of interest.

Press coverage of the bank's problems helps alert small depositors to its weakness.

Some small depositors welcome the new rules, in large part because the regulators also said they would ban free stock awards for executives and directors.

When there is a run on the bank, hundreds of small depositors save Huston from disaster.

Though the institution had no relationship to the Federal Government, the story of its collapse helped set off a panic among small depositors.

Moreover, each small individual depositor has little influence over setting the deposit interest rate.

But a Panamanian banker said the action would have "an important psychological effect," especially on small depositors concerned about the health of the system.

Countries then have to pay out the smaller depositors.