Dorothy Fuemmeler, left, talks with Margie Aholt, vice president of Glasgow Savings, on June 2. Fuemmeler has been banking at Glasgow Savings since 1934, when she married her husband, who was a farmer and had an account there.

Cindy Wells likes to approve loans the old-fashioned way. "Before we lend money to a farm, for example, we go out in our mud boots and count the cows and pigs," said Wells, the assistant vice president for Glasgow Savings Bank in Glasgow, a Missouri River town northwest of Columbia.