But the small agencies may soon be battling more than the holding companies.

The smaller agencies weren't able to compete in terms of price and service.

I run a small agency, and the world is a rather large place.

The agency, large or small, should have current information on the kind of trip you are interested in.

"In a small agency, you have to do whatever needs to be done," she said.

"Plus you get better service from a small agency, like mine."

On the other hand, a small agency may be a wise choice.

In a small agency, however, you'd probably be expected to cope.

In some ways, smaller agencies may be hit even harder.

He was leaving to become president of a smaller agency and wanted her to join him.