Must be a really small town, the only place I can think of was the small town where I went to school, it had main street, upper street and lower street.
At least you could drive to another town and use the ATM. I've had situations where I couldn't, in fact just last week I requested a new card because the signature block on mine wore off enough that vendors were asking to see ID. The bank canceled my card and issued me a new number, I assumed it would just be a replacement card with the same number so when I went to use it and it was declined it took a bit to figure out what must have happened. I had to use the card from my other bank twice then. I have my check deposited into two accounts at two banks just for some redundancy.