What to bank on?

I have always wanted to start my own bank, or Credit Union actually becasue I am really into the members have a finacnail steak in it the whole thing looking forward to retirement, etc. I do understand that the whole thing must follow the same guidelines of a bank, the Department of Commerce, and be FDIC insured. Stuff like this must be done responsibily and for the benefit of members and society in general. I just wonder if I should include these plans in my immediate future or if it's just a pipe dream that needs to go in a diary somewhere until later. I understand the industry pretty good, now I need to decide if I want to concentrate on the technical aspects or on the general banking philosophy as far as customer service goes. Who knows, both may be necessary to run a successful finacnial institution of my own someday. So much in my head... yet I'm way behind considering the downturn in the market with the shole mortgage crisis and all. It is a dream of mine, now I just need a little direction... the plathora of information out there has made things a bit foggy. I do know this, that there is little to be said when you consider the picture of things that have just transpired... time will tell.