By itself the drop in deposit account service fees caused by the year-old consumer overdraft protections is a minor problem for FNB Inc. of Dennison, Ohio.

The bank's revenue likely will fall by no more than $50,000 this year as a result of the rule change, said Blair Hillyer, the president and CEO of First National Bank of Dennison and its holding company, the $185 million-asset FNB.

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