WINSTON-SALEM -- A second offer for Wachovia in a week leaves some uncertainties for 3,000 employees in Winston-Salem.

Friday morning, Wells Fargo announced a merger agreement that was quickly challenged by Citigroup, which agreed to buy the bank Monday.

Employees at the company's former headquarters in downtown Winston-Salem refused to comment.

Although many financial experts say Well Fargo's plan to purchase the entire company was a better deal than a partial takeover with Citigroup, some customers are tired of the uncertainty.

"It just don't make no kind of sense at all," said Clara Parks. "I'm thinking about taking my money out of the bank, and taking it home and putting it up somewhere."

Despite the uncertainties of a merger and the banking industry in general, one local expert has a positive spin on jobs.

"They have to keep doing business," said Robert Bliss, the Kirby Chair in Business Excellence at Wake Forest University's Calloway School of Business. "Until the merger is consummated and they start having duplications that can lead to job losses, they will want to keep people from leaving."

He also thinks there could be overlap with wealth management divisions, but adds any changes would be at least a year off.

The Winston-Salem Chamber of Commerce says the city's positives should help keep jobs in the city where Wachovia was founded 129 years ago. Those include the low cost of doing business, the existing workforce, a strong IT infrastructure and profitability.