Here is a reference to the Bank in Osceola which was in cahoots with the southern forces in the area.
"On 1 Oct. 1861 in Osceola, Missouri, the local branch of the Merchants Bank of
St. Louis was in the process of handing out all its money, as described. On that
day, a depositor, Marcellus Harris, shot and killed the bank’s president, William
L. Vaughan, after Vaughan refused to give Harris his money. Harris was no
Union man; he was a Virginian and a slaveholder, and his brother Edwin was an
army surgeon with the Confederate military forces. 1860 U.S. Population
Schedules, Slave Schedules for St. Clair County, Missouri. Kathleen White Miles,
Bitter Ground: The Civil War in Missouri's Golden Valley—Benton, Henry and
St. Clair Counties (Warsaw, Mo., 1971), 261; History of Henry and St. Clair
Counties (St. Joseph, Mo., 1883), 834, 937."
See Mark Geiger's work at http://www.h-net.org/~business/bhcweb/publications/BEHonline/2005/geiger.pdf
Its an excellent work on the insight of the financing of the southern units early in the war.
William L. Vaughan was a well to do merchant in Osceola. In the 1860 census, he is listed as a merchant with $47,000 worth of personal property. Along with his brother listed Thomas L , (Reubin, and Obedias were brothers as well, all from Virginia,) the two owned 20 slaves together which puts them in rare company in 1860 simply from the number of slaves owned. It also may have made them a juicey target for Lane's propensity of trying to "free slaves".
So to answer at least one question. yes there was a bank in Osceola Missouri at the time of Lane's raid. The Merchants Bank of St. Louis and yes it was of southern proclivity.
John R.