Olympic medalist and boxer George Foreman may be right when he said.

Olympic medalist and boxer George Foreman may be right when he said, "A hero is someone who doesn't change." on the contrary in today's business world, a company must change or it will perish. Nowhere is that in the same manner evident as in the financial services industry, where deregulation has redefined banking. With the modernization full underway, bank managers are struggling to integrate commonalty divisions and philosophies.

"Banks grew up being functionally organized, excessively siloed," explains Lance Kessler of Lance Kessler & Associates of Mechanicsburg, Pa. "If I did retail banking, I worked in the branch environment. If I worked in trust,