The banking industry won't do the correcting ... the market will.

Read this recent article on Community banks in for many more challenges in the Atlanta Business Journal.

It is an interview with Tony Plath, the University of North Carolina at Charlotte finance professor sought out by USA Today, Entrepreneur Magazine, ABC News and a host of local publications across the country.

The Atlanta Business Chronicle says as an academic, Plath's viewed as being unbiased, not beholden to a particular company for his paycheck. As a finance professor with a specific expertise on the banking industry, Plath is viewed as an ideal source to provide analysis on the most troubled sector of the economy today.

His interview covers what is next in community banking, why 2009 could be worse than 2008, and how the likely over-regulation of the banking industry is not the solution.