all is not well in holywell.and by this part of flintshire is the one that separates it from the river dee. until last year, there were four banks on the high street. one after another, three of them closed. each hole in the wall became just a hole in a wall. the cash points of the one remaining bank now has a permanent queue. for a lot of people, they only came into town for the banks. so, because the banks had gone, it was easier to go somewhere in the town where there is a bank so they can do their shopping and banking at the same time. karen lloyd runs a flower shop in holywell. she says the banks' departure has been devastating for small businesses like hers who need branches to deposit their cash takings. they all say that they are for businesses and that and yet they're not helping us at all and making it harder for us to get to them. because if we run out of change or you need to do a bank for cash and that, you can'tjust nip to the bank any more. you've got to physically go to another town somewhere else