+++ A Amcore Financial, 8 American Express, 1,18 America's Community Bankers, 2 American Bankers Assn, 1,2,14 AT&T, 5,14 Atlantic Central (PA), 10 B Bank Administration Institute, 16 BankAmerica, 2,4,6 Bank of Tokyo, 2 Bankers Bank of the West (CO), 10 Bankers Trust, 8 Barclays, 6 Boatmen's, 24 Bradshaw Financial, 1 Broadway & Seymour, 14 Brown Brothers, 4 C Centerbank, 6 Charles Schwab, 8 Chase Manhattan, 4,6,10,24 Chemical, 4,16 Citibank, 1,8,11 Coca-Cola, 1 Commerce, 10 CommerceNet, 16 Commercial Finance Assn, 5 Community Bank System, 10 Compass, 4 Computer Based Solutions, 1 D Dean Witter, 24 Diebold, 19 Dilenschneider Group, 18 Distinctive Solutions, 5 E Electronic Data Systems, 16 Ernst & Young, 14 Executive Advisers, 5 F Federal Reserve (Kansas City), 10 First Chicago, 1,5 First Fidelity, 24 First Manhattan, 4 First Natl (IL), 1 First State Bank (IA), 10 First Union, 4,19 Firstar, 10 Fleet, 1 Fried Frank Harris Shriver & Jacobson, 3 Furash & Co, 1 G General Electric, 5 GHR Systems, 7 GP Financial, 6 Greenlining Coalition, 2 H Henry Kaufman & Co, 22 I IBM, 14 Independent Bankers of America, 1 Invesco FundsGroup, 8 ISD/Shaw, 2 J J D Carreker, 16 Janus Capital, 8 K Keefe Bruyette, 4 Kekst & Co, 18 Keycorp, 1,6 L Lipper Analytical Services, 8 Long Island Savings, 14 M MasterCard, 1 MBNA, 1 Mellon, 6 Mentor Partners, 4 Merrill Lynch, 4,8 Microsoft, 14 Midwest Independent, 10 Mitsubishi, 2 Money Marketing Initiatives, 8 Money Store, 5 N Natl Football League, 1,19 NationsBank, 1,4 NY Clearing House Assn, 16 Northern Trust, 1 P Pacific, 24 Pacific Coast Bankers, 10 PaineWebber, 4,24 Perot Systems, 1 PNC, 6 Prairie Capital Services, 11 R Redfed, 10 Reservoir Capital, 5 Robert Morris Associates, 1,5 Ryan Beck, 11 S SafeCard Services, 18 Salomon Brothers, 18 Schlumberger Smart Card Systems, 19 Servantis Systems, 16 Shawmut, 1 Shelby Cullom Davis & Co, 18 Skadden Arps Slate Meagher & Flom, 3 SMR Research, 6 Sterling Software, 16 Strategic Insight, 8 T Tower Group, 16 Towers Perrin, 1 Triad Financial, 5 Twentieth Century, 8 U UMB Bank (Kansas City), 10 United Bankers (MN), 10 V Visa, 1 W Wachovia, 1 Wells Fargo, 5,8 West One, 1 Western, 24 Western Union, 18 WFA Collateral Review Services, 5 Z Zions, 5 ===

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