I was surprised that the FDIC did not close any banks last Friday, but do they close two to make up for it this week? Both Downey and Vineyard need permission from regulators to operate, so their days are numbered. When there are articles like this a FDIC takeover is getting very close http://www.marketwatch.com/news/story/vineyard-bancorp-cautions-may-not/story.aspx?guid=%7BDB320FFA%2D96B9%2D4B31%2DAFE2%2DA0008AF38830%7D&siteid=yhoof