In America, most Mutual Savings Bank-s are located in the Northeast, and are owned by their depositors and borrowers. A mutual savings bank does not issue capital stock. Profits are distributed to the owner/customers in proportion to the business they do with the institution. http://en.wikipedia.org/wiki/Mutual_savings_bank
William Batchelder Greene (1818-1878) was a 19th century American individualist anarchist and banking reformer. His most famous work is entitled Mutual Banking, which proposes an interest-free banking system. He tried to obtain a charter from the U.S. government to establish a mutual bank but was denied permission to do so. This reinforced the individualist anarchist opposition to the "banking monopoly." http://en.wikipedia.org/wiki/William_B._Greene
a potential source of MicroLending?