First Tennessee National Corp. is one of a growing number of banks basing its Internet offering on the Java computer programming language.

The $13.2 billion-asset First Tennessee Bank chose to use Java-based applets-small computer programs that can be easily transmitted over computer networks-instead of static HTML (hypertext markup language) because "Java provides security of information and transactions, and a compelling user interface for marketing," said Tripp Johnson, the bank's manager of new technologies.

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