While most banks agonize over which home banking delivery channel to plug into, Barnett Banks Inc. has decided to cover all the possibilities by experimenting with each.

From a test of screen phones two years ago, the Jacksonville, Fla., bank company has moved to personal computers and telephones. And not satisfied to sit back and watch these technologies grow, Barnett now has a chance to test a medium that many experts say holds the most potential for getting consumers to bank at home - interactive television.

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