While waiting to meet with a Kennebec Savings Bank mortgage officer Monday, Danielle Smales, 34, was forced to make stilted conversation with Thrifty The Banking Clown. 'Just waiting for a meeting,' Smales told the brochure-wielding promotional clown. 'No, thanks. I don't really need Platinum checking.' Though Smales managed to briefly steer the conversation toward the weather, a majority of the eight-minute chat centered on the importance of a sensible IRA, the convenience of online banking at KennebecSavings.com, and the great introductory rates available with a Kennebec Savings Visa card. 