I'll be down there doing a lot of prospecting," Hugo said. The State Bank of Chilton's trust department offers a variety of services, including investment management, living trusts, trusts under will and estate probate work. The bank contracts with the Chicago office of Wachovia Securities LLC to provide many of the investment services. Wachovia Securities, which specializes in personal finance, wealth management and small business financing, is a division of Charlotte, N.C.-based Wachovia Corp. "We do a lot of outsourcing in our trust department. We don't have a lot of overhead. They handle all of our investments, where as most of the competition in Milwaukee employs their own people," Hugo said. "We can provide the same level of investment services at lower fees. That and our ability to provide local contacts distinguish us. It won't be, 'OK, come in next Thursday at 4 o'clock.' I get a lot of walk-in traffic. We also get a lot of referrals from attorneys."