Bank Notes is based on the experiences of North Carolina banker Luther H. Hodges, Jr., in the 1960s and 1970s, along with an intimate view of bank regulation as experienced by The National Bank of Washington in the 1980s. These recollections and reflections provide some interesting insights into the circumstances, personalities, and strategies that launched North Carolina's major banks into the stratosphere and pushed the state's economy into the -twenty-first century. Moreover, the sad story of the failure in 1990 of The National Bank of Washington provides insight into regulatory misdeeds which today face many banks. The new world of banking threatens all banks' ability to succeed and grow in the face of overwhelming new banking regulations. In Bank Notes, Mr. Hodges outlines a possible future for the banking industry over the decades to come.