Smart growth, which redirects development to inner cities, is creating vast lending opportunities for banks. According to city officials and urban renewal groups, the fact that suburbanites are looking to move back into the city, coupled with federal, state and local economic incentives, makes a good argument for lenders to invest in needy areas. From a banker's perspective, opportunities exist to improve public relations, fulfill Community Reinvestment Act requirements and get in early on a potentially profitable market.