officer James A. Risinger looks out an 11th-floor window of his company's headquarters and contemplates the changing local banking market. He sees a sign atop his chief rival's downtown skyscraper that reads "Civitas Bank." But later this year Civitas and its parent, $7.2 billion-asset CNB Bancshares, is to be acquired by $31.6 billion-asset Fifth Third Bancorp of Cincinnati. Once that purchase is completed, Fifth Third -- which now operates just 28 branches in Indiana -- will be the largest banking company in Evansville and third-largest in Indiana. Mr. Risinger seems unfazed by the prospect. "As sure as the sun goes down at night, there will be inefficiencies when you merge two major organizations," he said. But neither is he unaware of the challenge. "As sure as the sun comes up the next day, they're going to get their act together and become very tough competition," he added.