In the aftermath of the S&L crisis of the 1980s, many people are turning a wary eye to their financial institutions. While consumers may not be tucking their life savings under the mattress as they did during the depression, most are concerned about the safety and accessibility of their deposits. They want to know who's running their financial institution. How soundly is it managed? Are their funds safe and can they access them if trouble develops? As the shake-out continues and bank mergers create large, faceless institutions, it's becoming more difficult for consumers to select a financial institution that can still provide personal service along with a full range of financial products.