Small banks will continue to struggle in 2010, even after President Barack Obama met with community and regional bankers to discuss ways to increase small-business lending. Small banks make up a large percentage of the 140-plus banks that were seized by the Federal Deposit Insurance Corp. this year. "A lot of the regional and community banks are going to struggle to remain independent," said Terry Moore, a managing director at Accenture. "We're going to see those numbers shrinking."

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