Many local and community banks may be able to benefit from the repaying of the Troubled Asset Relief Fund (TARP) funds by larger banks. Recently, ten big banks received approval to return a combined $68 billion in TARP funds to the government.
 
As the amount of money in the TARP reserve grows they will be able to lend that money back out, and much of it should go to local and regional banks (that want/need it of course). This would allow banks to make loans to the individuals and businesses in local communities and benefit the economy right in your home town.
 
Local banks are able to get to know you on a personal level and consequently are able to provide exceptional customer service and are able to get to know your plan for the loan proceeds. Local communities can really benefit from a strong local bank presence as loan officers get to know you and your plan and not just look at the numbers.