As long as you have enough exchanges to convert your bitcoin to use fiat currency then there is no need of any banks. Because after converting to your fiat you will get the money through banks only. Right now to form bitcoin bank is very difficult because there is no proper resistance from the government with bitcoin. So this is really a bad idea to setup a bank.
If the bank that we are going to build is going to have a purpose, not just the same as the exchange sites can offer, say, they are offering what banks are offering, then, I'd definitely agree with that.
But if it is just the same as the exchanges, they would just compete with each other and just make bitcoin a money making thing than them becoming a public service establishment for bitcoin.