Please, can I get a Tightwad credit card?

I'm disappointed. I won't be able to get a credit card from the Tightwad Bank of Tightwad, Mo.

"We are not going to do credit cards, we are not going to do insurance, we are not going to try to sell you other stuff," Donald Higdon, chairman of the $14.2 million-asset bank, tells the trade publication American Banker (extremely expensive subscription required). "We are basing ourselves on good, reasonable loan and deposit products with interest rates better than most."

According to the under-construction Web site for Tightwad Bank, the town was so named a century ago, "allegedly over an incident involving a postman, a grocer and a disputed watermelon." The population is 63; the bank opened under its current ownership in March 2008.

Mr. Higdon, please reconsider. The tightwad spirit extends far beyond your fair town's borders.