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Less than a year after opening to customers in Illinois and St. Louis, Mo., State Farm Bank is now Internet and telephone accessible throughout the country. The bank, formally chartered by the Office of Thrifty Supervision in November 1998 as State Farm Financial Services, FSB, opened in its pilot area in May of last year. Its focus is on consumer-oriented financial products, complementing State Farm’s insurance focus on personal lines. State Farm Bank is a nontraditional financial institution without branch offices. In addition to the Internet and telephone, customers communicate with the bank through agents and traditional mail service.