The mom-and-pop pharmacies of American lore, the ones with soda fountains or gift shops to go along with the charm of personal service, are not yet a relic of yesteryear. But unease about a growing marketplace of competitors has left some local pharmacies wondering about their future. That feeling was made all the more visceral recently when Hall County government reported that it saved $1.4 million in prescription drug and medical insurance plan costs for its workers in the first 18 months of operating its own clinic.