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A MASSIVE AERIAL PHOTO OF BIRMINGHAM, ALABAMA, CIRCA 1950 IS THE first thing you see when you enter the corporate office of New South Federal Savings Bank in Birmingham. Taking up much of the wall as you go through the double glass doors, your eye goes right to it. The huge old steel plant on the outskirts of the city is in plain view, as are blocks of old brick buildings lining quiet downtown streets. It is a sleepy Southern city. * Absent are the skyscrapers and modern hospital complexes with helipads that define downtown Birmingham today. * The photo is clearly more Old South than New. * The irony of this image, given the name of his company, is not lost on New South's ...