A short-sighted move by the Connecticut Banking Commission: As expected, the banking department Monday backed the controversial change from a depositor-owned to a shareholder-owned bank - a move that will allow the sale of stock to the public and make possible the acquisition of two banks in Greater Hartford. Monday's approval disappointed those who had pressured state banking regulators for a depositor vote on the conversion. Looks like it's up to the Bank to change course or ignite a boycott.