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The northwestern farmers debt was growing for equipment and other things and they were working against the eastern seaboard establishment.

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State banks began to flourish everywhere, particularly in Mississippi valley, this favored the south and the northerners were not happy.

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most southerners preferred their local banks but northerners did not like that concept.

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The bank failed caused the panic of 1857, thus springing the civil war of 1861 through 1865.

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The demand for state banks and not just a big U.S Bank. People really seemed determined, they even went to the extent to start a war.