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As a community development bank, Southern Bancorp is chartered to change lives for the better.

Few community banks can claim to have been started by a future first lady. Perhaps equally few have initial investors who agreed to give up financial returns in exchange for social returns.

Southern Bancorp is an unusual institution, a community development bank with a hybrid model of providing traditional banking services while pursuing the higher civic goal of spurring economic development in low-to-moderate-income areas.

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