When will people learn that borrowing bitcoins is no more different then borrowing cash? Will you lend your cash to a stranger on the streets?
Please, for god's sake, provide some reputation/identification before even attempting to run a bank! There is nothing that will stop you from taking off with the bitcoins and starting a new account tomorrow.
A fine example of how to do this correctly:https://bitcointalk.org/index.php?topic=89122.0
A classic example of a failed 'banking attempt':https://bitcointalk.org/index.php?topic=89619.0
I am not stating that you're an outright scam, but please do understand the bolded statement above first.