Thanks guys. There's aren't many small local banks left in our area. Most people I know who have purchased land locally used Farm Credit, which is who I've been working with, just wanted to shop around and see what else is available. I agree that 175 acres with only 13 acres currently tillable doesn't look like a good farm investment, as it will be more of a hobby farm. I plan to open up another 12 acres since those are some of the original fields that were let go 15-20 years ago.