WASHINGTON
The FDIC issued guidance for banks that collect customer information over the Internet. Page 2
CORPORATE FINANCE
COMMERCIAL REAL ESTATE: With the Salt Lake City Winter Olympics still four years away, Zions Bancorp. is girding for overbuilding in the Utah hospitality market. Page 4
MORTGAGES
Standard & Poor's analysts caution that the near-perfect conditions in the residential mortgage-backed securities market may be about to change. Page 5
REGIONAL
SunTrust finds itself walking a high wire as it strives to address concerns in its planned merger with Crestar Financial. Page 6
Banc One's merger with First Chicago NBD could damage community reinvestment programs run by activists in Chicago and Detroit. Page 6
INVESTMENT PRODUCTS
INSURANCE: Summit Bancorp of New Jersey is using acquisitions to build one of the Northeast's largest bank insurance operations. Jack Cussen, Summit's insurance chief, projects a seventeenfold revenue increase by 1999. "Each month that goes by, I think we earn more credi-bility," he says. Page 12
COMMUNITY
Investors are becoming impatient with SierraWest of Truckee, Calif., and have initiated talks with management about selling the company. Page 11
CARDS
Transmedia Network, a restaurant discount card marketer in Miami, is planning to buy the credit card registry firm Reunion Group. Page 17
Chase Manhattan, one of many financial institutions sued by Meridian Enterprises for patent infringement, says it will not settle with the St. Louis-based marketing company. Page 17
DIGITAL FRONTIERS
ELECTRONIC COMMERCE: Companies peddling products and content sites are joining forces to increase Internet traffic, a study found. Page 20
TECHNOLOGY
Deregulation in the telecommunications industry has U S West working harder to gain banks' business. Page 21
MARKETS
Bowing to shareholder pressure, Bank Plus of Los Angeles said it has hired Keefe, Bruyette & Woods to identify potential acquirers. Back page