A Bank Shot

This appeared Oct. 1, 2006

The construction hole had been growing on the south side of the 400 block of East Market Street for weeks, and I had wondered what sort of business would be locating there. Art gallery? eBay outlet? Brian McFadden's mythical Fine Dining Restaurant?

Nope. According to the sign that went up the other day, we're getting another bank. Of course we are! Because if you live in Chester County in the early days of the 21st century, the two things you apparently cannot have enough of are ugly overpriced new homes and banks.

And if you live in West Chester you're spared the one, but inundated with the other.

You cannot spit in the business sector of West Chester without hitting the front door of a new bank. Anytime someone puts up a new building in the borough, the first thing you absolutely know is going to be located there is something requiring a vault and safe deposit boxes.

You can believe me or not.

It makes you recall the joke about the ubiquity of the Starbucks chain (an everywhere-ness that as of 1 p.m. Saturday, Sept. 30, 2006, still had not extended itself to the borough, I might add). Only instead of a new coffeehouse, in West Chester, we kid that they're opening a new bank in the men's room of an old bank.

Not that we even talk about it that much. It's a fact of life that you just accept without really thinking about it, like seeing discarded beer bottles in the parking lot of Lincoln Financial Field on Eagles game day.

But I know people who come in to work in West Chester every day who look at these financial institutions and just want to punch somebody wearing a three-piece suit. There's a secretary at the Chester County Courthouse who swears she can open a free checking account every 200 yards while taking a noon stroll on her lunch hour, but has to drive 10 miles to get a new pair of hose if she gets a run in her stocking.

It doesn't seem fair. I can list five things the borough needs more than another bank:

A tropical fish store.

A bike repair shop.

A camping equipment outlet.

A (bigger) used book store.

A Cincinnati-style chili parlor, preferably Skyline, that would be open 24/7/365 and would deliver free of charge to customers who can prove they were born in Ohio.

What do we need these banks for anyway? Technically speaking, I haven't seen the inside of a bank since the early days of the Clinton administration. I have direct deposit, I make withdrawals at the ATM, I pay my bills online, and I do my miscellaneous banking chores on my bank's Web site.

Does anyone actually go inside a bank anymore? For all I know, the banks that have been opening in West Chester might not even be banks. They could be insurance companies, or clandestine massage parlors.

It used to be that if you lived in West Chester you had the prefect ratio of banks to Chinese restaurants, which if I remember my notes from college is 4:1. Now we've gone way out of balance with banks and haven't made the necessary moral and financial commitment to keep up the pace with the Chinese restaurants. I say if the Borough Council is going start tackling quality of life issues, that's one they should start with - not this height issue thing.

I have spent countless hours of my personal time trying to come up with a town motto that would serve West Chester now that the original one - "West Chester: The Athens of Pennsylvania" has been discarded I've described them here: "Come Grab Our Trash;" "More Bars Than Barbers" and "Don't Worry, Coatesville is 10 Miles to the West." None have seemed to resonate with the public, or gotten me noticed by the folks on Madison Avenue. Until now.

How about it? "West Chester: A Town Willie Sutton Would Love."