INSIDE: COVER STORY

PERFORMANCE:

North Fork Bancorp's efficiency ratio is the nation's best. Its chairman and chief executive officer, John A. Kanas, explains why. 4A

DEPARTMENTS

RETAIL BANKING:

Community banks are surprisingly far behind superregionals in their use of alternative delivery technology. Will this continue? 6A

Executive view:

As technological change accelerates, the stakes are rising for banks, writes the Tower Group's Diogo Teixeira. 8A

RISK MANAGEMENT:

The increasing complexity of risk management is sending one software vendor back to school. 10A

OPERATIONS:

The growth of check volumes may have slowed in recent years, but bankers shouldn't sell their reader-sorters quite yet. 12A

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