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Input: Charlie Conoley vows to fight till the end for the community bank he founded and still runs. He's not quite paraphrasing gun-lovin' Charlton Heston  You can have my bank when you pry it from my cold  dead fingers. Not yet. But Conoley is battling every way he knows how to win precious time he says he needs to revive Horizon Bank's role as a respected lender to small businesses in Bradenton  Manatee County and the surrounding area.
THIS BANKER
 Charlie Conoley vows to fight till the end for the community bank he founded and still runs. He's not quite paraphrasing gun-lovin' Charlton Heston  You can have my bank when you pry it from my cold  dead fingers. Not yet. But Conoley is battling every way he knows how to win precious time he says he needs to revive Horizon Bank's role as a respected lender to small businesses in Bradenton  Manatee County and the surrounding area.
 "We are profitable and  yes  we are desperately trying to raise new capital " says Conoley. Unlike most bankers struggling under the thumbs of bank examiners  Conoley wants to tell his story  that Horizon can come back from the brink  even as part of him listens for the sound of the FDIC knocking on his door with the message: This bank is closed.
 A boyish 51  Conoley sits in his modest office at Horizon  located on the corner of a shopping center near modest homes and businesses. He points to the inexpensive trappings of his main office  including the Formica surface at the teller windows  as tangible proof he knows the value of a buck.
 That  Conoley says  is why Horizon makes a difference in a place like Bradenton.
 Indiana born and Purdue University educated  Conoley's been a Florida banker for decades. He worked for Barnett Bank  the last big bank to be based in Florida before out-of-state behemoths bought it and dominated the state. He started Horizon in the late 1990s by borrowing startup money on his own credit card because he wanted to control his own destiny and wanted to stay in his beloved Bradenton.
 Conoley is bitter over what he sees as a double standard. His community bank's capital levels and loan problems are no worse than those at giant Citibank  he says. But Citibank is not going to fail. When the U.S. Treasury unveiled its Wall Street bailout scheme with a plan to lend government money to banks  Citibank was among the big banks to get lots of new capital.
 When Horizon applied for nearly $5 million from the feds  Conoley says the Treasury never responded. Later  the banker says  after prodding  the government finally told him to take back Horizon's application. That way  it would look better than the bank being denied funds. Conoley refused.
 Two allies of Conoley are Florida Bankers Association chief Alex Sanchez in Tallahassee and lobbyist Karen Thomas  who heads government relations at the Independent Community Bankers of America trade group in Washington.
 None of this cheers Conoley in his quest to save Horizon Bank.
 If he pulls off this revival and Horizon sticks around  Conoley may be banking's miracle worker. But even if the FDIC stops by at closing time some Friday evening and hangs its "Bank Closed" signs on the doors  this banker will know he gave it his best shot.
 Robert Trigaux can be reached at       trigauxsptimes.com.        About Horizon Bank  Bradenton       CEO: Charlie Conoley  51
 Founded: 1999  by Conoley using startup money from his own credit cards

TOUGH TIMES FOR THIS BANKER