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1927/1929 – 1 May 1943
Between the old bank's end and the new charter, the town's own directory shows no bank at all. The nomination's transcription of the 1940 St. Joseph County telephone directory's North Liberty section lists the town's Main Street trade whole: Bare & Heim Service Station; Belleville Bakery; Blosser Shoe Store; Chat En Chew Lunch Room; Day Brothers Grocery; Eldora's Beauty Shop; Gardner's Inn; Hawblitzel's Barber Shop; Hazelbaker's Phillips 66 Service Station; Hoffman Brothers Drugs and Groceries; Independent News Company; Ivo's Grocery and Meat Market; Jay's Lunch Room; Mack's Grocery and Meat Market; L. V. Moak Drugs, Sundries, Cosmetics, and Notions; Nifty-Thrifty Clothing Shoppe; O'Connor Electric; L. W. Pommert & Mapes Home Furnishings; Poynter's Service Station; Price & Houser Hardware; and the Royal Blue Store — twenty-one names as printed, against the nomination's own summary count of twenty-three Main Street businesses, a variance that also prints as found. No bank is among them. The nomination's own record thus agrees with the FDIC's: the next bank in North Liberty begins with the charter of 1 May 1943. What the 1929 sentence describes, and when it ended, the record reached does not say.