COVER STORY: Inside

PERFORMANCE:

Technology still offers the promise of greater efficiency and profits. But the price of stumbling is getting steeper. 4A

DEPARTMENTS

RETAIL BANKING:

Expense reductions from Old Kent Financial's restructuring program are funding key retail technology initiatives. 6A

RISK MANAGEMENT:

Should banks have "czars" to oversee risk management? 11A

WHOLESALE BANKING:

To electronically process corporate tax payments for the government, First Chicago-Mercantile opted for client/server technology but NationsBank chose a mainframe. 13A

SOUNDOFF:

What benefits has your bank gained from imaging technology? 10A

CONSULTANT'S CORNER:

Managing the transition to a networked client/server architecture. 12A

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