I am not sure your terms are correct. Banks don't serve as Conservators over a person. Do you mean to say the bank is a Trustee of your Mother's estate?
Use the AVVO.com web site to find an attorney in your area. In addition to that, contact your local bar association for referral to an attorney who specializes in this. Often, but not always, the attorney will do an initial consultation free of charge. You will then be in a better position to determine what to do next. Best of luck to you!
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As the prior attorney states, it may be that the bank is the trustee over such assets. If so then there may be some written trust agreement or your mom has a will that would be controlling. Your facts really need to be spelled out more. However, if the property is held in trust then its terms would control and children would not be listed as beneficiaries under a POD.
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