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Two layers of small savers' institutions were never seated here — one at reached strength, one now carried a step further. The building-and-loan limb stands where the banked file left it, restated whole: no building-and-loan association seated in Lakeville was found in any carrier reached; Howard treats the county's associations under South Bend; the department tables reached list Lakeville only for its state bank (lk-bnk-gap). The stronger test the audit named — the Department of Banking's building-and-loan annual-report tables by town, 1890s–1930s — was not read and remains the limb's settler, named current; the negative therefore stays at reached strength and prints as such, not upgraded. The credit-union limb is new. Residue, stated expressly: NCUA's charter and merger records searched by place were not read entire; a short-lived federal credit union of the 1930s–50s, if one existed, would stand there and in the press of record, and both remain named settlers for the limb.