Best and worst: It was the best of the times and it was the worst of times for Tampa lawyer David Russell Stahl in 2004.Consumers liking little banks: Banks have had happier depositors and borrowers during the past two years, according to the University of Michigan's latest quarterly American Customer Satisfaction Index.Invader raises profile: While some local bankers predict a new competitor from Cincinnati won't make much more than a ripple along the Gulf Coast, Fifth Third Bancorp has continued an aggressive promotional campaign.One more term: Pinellas-Pasco Circuit Judge David Demers, called "DAD" by some of the judges, won a third, two-year term as chief judge at a Feb. 22 secret ballot. Stetson gets $500,000 endowment: The Joy Culverhouse McCann Foundation has found a genuine way to honor Carlton Fields lawyer William Reece Smith Jr.