Centura Banks Inc. markets itself as "the Money Manager," a purveyor of soup-to-nuts financial services - which is rather brash, considering that the $5.5 billion-asset bank is only a fraction of the size of its major competitors.

Beating the big players at their own game, spunky Centura offers a full- service brokerage operation, including its own line of mutual funds; trust and insurance products; a telephone call center; a state-of-the-art branch automation system; and - most daringly - PC-based home banking.

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